Form 5500 · Employee benefit plan · HARRISONBURG, VA
SHENANDOAH VALLEY AUTO GROUP
The filing calls this plan SHENANDOAH VALLEY AUTO GROUP WELFARE BENEFIT PLAN.
Public Form 5500 records show how SHENANDOAH VALLEY AUTO GROUP of HARRISONBURG, VA, a retail employer, structures its employee benefits. Its broker of record is HILB GROUP OF MARYLAND. Coverage is written through SENTARA ADVANTAGE POS M/C and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 54-1308840 · plan 505 · plan year 2025, filed Jul 15, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 5 insured contracts covering health, dental, vision, life and disability; the largest, with SENTARA ADVANTAGE POS M/C, covers 60 people.
Reported premium across the insured contracts is $740,879, with $36,991 in disclosed broker commissions — about 5% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
HILB GROUP OF MARYLAND is the broker of record on all 5 contracts.
3 carriers appear on the filing, including SENTARA ADVANTAGE POS M/C, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and SHIC PPO. SENTARA ADVANTAGE POS M/C writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 117 | Jan 1, 2026 | $102,582 | $15,319 |
| SENTARA ADVANTAGE POS M/C | Health | 60 | Jan 1, 2026 | $278,097 | $11,802 |
| SENTARA ADVANTAGE POS M/C | Health | 29 | Jan 1, 2026 | $163,130 | $5,166 |
| SENTARA ADVANTAGE POS M/C | Health | 24 | Jan 1, 2026 | $148,030 | $3,234 |
| SHIC PPO | Health | 7 | Jan 1, 2026 | $49,040 | $1,470 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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