| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED BENEFIT CONCEPTS3 | 1060 LASKIN ROAD, SUITE 12B VIRGINIA BEACH, VA 23451 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $38K | $0 | $38K | 2.13% |
| INTEGRATED BENEFIT CONCEPTS3 | 2208 OSTERLY COURT VIRGINIA BEACH, VA 23456 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 3.00% |
| INTEGRATED BENEFIT CONCEPTS3 | 2208 OSTERLY COURT VIRGINIA BEACH, VA 23456 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 5.26% |
| INTEGRATED BENEFIT CONCEPTS3 | 2208 OSTERLY COURT VIRGINIA BEACH, VA 23456 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $0 | $24K | 10.92% |
| INTEGRATED BENEFIT CONCEPTS3 | 1060 LASKIN ROAD, SUITE 12B VIRGINIA BEACH, VA 23451 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $5K | $0 | $5K | 9.98% |
| INTEGRATED BENEFIT CONCEPTS3 | 1060 LASKIN ROAD, SUITE 12B VIRGINIA BEACH, VA 23451 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.12% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $289 | $0 | $289 | 0.74% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $260 | $0 | $260 | 0.67% |
| TIFFANY SMITH3 Filed as: TIFFANY A. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $178 | $0 | $178 | 0.46% |
| INTEGRATED BENEFIT SOLUTIONS3 | 1060 LASKIN ROAD, SUITE 12B VIRGINIA BEACH, VA 23451 | LEGAL RESOURCES | $2K | $0 | $2K | 5.97% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 261 | $2.3M |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 748 | $723K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 486 | $1.8M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 325 | $237K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 325 | $237K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 261 | $1.8M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 325 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.