| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $30K | $0 | $30K | 1.66% |
| INTEGRATED BENEFIT CONCEPTS3 | 1060 LASKIN ROAD, SUITE 12B VIRGINIA BEACH, VA 23451 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $6K | $0 | $6K | 0.36% |
| INTEGRATED BENEFIT CONCEPTS3 | 2208 OSTERLY COURT VIRGINIA BEACH, VA 23456 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 2.75% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 4.53% |
| INTEGRATED BENEFIT CONCEPTS3 | 2208 OSTERLY COURT VIRGINIA BEACH, VA 23456 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.07% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $3K | $7K | 3.25% |
| INTEGRATED BENEFIT CONCEPTS3 | 2208 OSTERLY COURT VIRGINIA BEACH, VA 23456 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.97% |
| ENROLLEASE3 Filed as: ONE DIGITAL | UNKNOWN CHESAPEAKE, VA 23320 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $4K | $0 | $4K | 8.32% |
| INTEGRATED BENEFIT CONCEPTS3 | 1060 LASKIN ROAD, SUITE 12B VIRGINIA BEACH, VA 23451 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 3.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, NC 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.58% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $981 | $0 | $981 | 2.72% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $355 | $0 | $355 | 0.98% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $157 | $0 | $157 | 0.43% |
| TIFFANY SMITH3 Filed as: TIFFANY A. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147 | $0 | $147 | 0.41% |
| INTEGRATED BENEFIT CONCEPTS3 | UNKNOWN CHESAPEAKE, VA 23320 | LEGAL RESOURCES | $1K | $0 | $1K | 5.20% |
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 | 322 | 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) | 322 | 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. | 328 | $2.3M |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 695 | $760K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 471 | $1.8M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 322 | $268K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 322 | $268K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 328 | $1.8M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 322 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.