| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRAFORD BENEFIT CONSULTANTS3 Filed as: CRAFORD & CRAFORD | 990 FIFTH AVE SAN RAFAEL, CA 94901 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $23K | — | $23K | 2.25% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $7K | — | $7K | 0.71% |
| CRAFORD BENEFIT CONSULTANTS3 Filed as: CRAFORD & CRAFORD | 990 FIFTH AVE SAN RAFAEL, CA 94901 | ANTHEM LIFE INSURANCE COMPANY | $7K | — | $7K | 8.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 543 S EVANS ST GREENVILLE, NC 27858 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 2.66% |
| CRAFORD BENEFIT CONSULTANTS3 Filed as: CRAFORD & CRAFORD | 990 FIFTH AVE SAN RAFAEL, CA 94901 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | — | $2K | 3.39% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $1K | — | $1K | 1.61% |
| CRAFORD BENEFIT CONSULTANTS3 Filed as: CRAFORD & CRAFORD | 990 FIFTH AVE SAN RAFAEL, CA 94901 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.18% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 150 | $1.0M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 146 | $73K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 211 | $20K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 191 | $85K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 191 | $85K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 191 | $85K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 191 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.