| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT INSURANCE | 16 EAST CHURCH AVENUE ROANOKE, VA 24011 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $135K | — | $135K | 2.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $51K | — | $51K | 1.07% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC. | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | GUARDIAN LIFE INSURANCE | $45K | $1K | $46K | 7.95% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | GUARDIAN LIFE INSURANCE | $33K | $3K | $36K | 6.22% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC. | PO BOX 532 FORREST, VA 24551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84K | — | $84K | 54.20% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 3.96% |
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 | 1,354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,089 | $4.7M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,089 | $4.7M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,089 | $4.7M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE | 1,412 | $739K |
| Short-term disability | GUARDIAN LIFE INSURANCE | 1,412 | $584K |
| Long-term disability | GUARDIAN LIFE INSURANCE | 1,412 | $584K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE | 1,412 | $739K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,412 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.