| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHKEEPERS INC3 | MAIL DROP OH0401 B265 1351 WM HOWARD TAFT ROAD CINCINNATI, OH 452061721 | HEALTHKEEPERS INC | $175K | — | $175K | 15.26% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | HEALTHKEEPERS INC | $57K | — | $57K | 4.95% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | QBE INSURANCE GROUP LIMITED | $1K | — | $1K | 0.75% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | THE STANDARD INSURANCE COMPANY | $10K | — | $10K | 10.03% |
| C2 CENTRIC LLC3 | PO BOX 6824 CEDAR RAPIDS, MI 49516 | THE STANDARD INSURANCE COMPANY | $247 | — | $247 | 0.24% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | EYEMED VISION CARE LLC | $1K | — | $1K | 10.70% |
| DELTA DENTAL OF VIRGINIA3 | 4818 STARKEY ROAD ROANOKE, VA 240188542 | DELTA DENTAL OF VIRGINIA | — | $10K | $10K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTHKEEPERS INC EIN 54-1356687 | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Other services Service code 12 | MAIL DROP OH0401 B265 1351 WM HOWARD TAFT ROAD CINCINNATI, OH 452061721 | $149K |
| JAMES A SCOTT & SON INC EIN 54-0372970 | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | $23K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 240188542 | $10K |
| C2 CENTRIC LLC EIN 99-0242990 | Contract Administrator Service code 13 | PO BOX 6824 GRAND RAPIDS, MI 49516 | $247 |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS INC | 146 | $1.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 172 | $0 |
| Vision(2 contracts, 2 carriers) | HEALTHKEEPERS INC | 151 | $1.2M |
| Life insurance | THE STANDARD INSURANCE COMPANY | 198 | $101K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 198 | $101K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 198 | $101K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE GROUP LIMITED | 145 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.