| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANKERS INSURANCE LLC3 | 630 PETER JEFFERSON PKWY STE 300 CHARLOTTESVILLE, VA 22911 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.08% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 5727 FORT LAUDERDALE, FL 33310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $772 | $772 | 0.79% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VI 23060 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 5727 FORT LAUDERDALE, FL 33310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $192 | $192 | 0.50% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VI 23060 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 5727 FORT LAUDERDALE, FL 33310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $297 | $297 | 0.86% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $861 | — | $861 | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | PO BOX 5727 FORT LAUDERDALE, FL 33310 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $80 | $80 | 0.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA EIN 54-0357120 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue Service code 12 | — | $185K |
| BANKERS INSURANCE LLC | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $39K |
| BANKERS INURANCE LLC NONE | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | PO BOX 510 STAUNTON, VA 24402 | $0 |
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 | 478 | 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) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 402 | $5K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $138K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 304 | $138K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 478 | $97K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 478 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 478 | $39K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 478 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.