| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | INSURANCE BROKERS INC. 470 ATLANTIC AVENUE BOSTON, MA 02210 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $24K | — | $24K | 2.11% |
| BANKERS INSURANCE LLC3 | 320 N CENTRAL AVE PO BOX 510 STAUNTON, VA 24402 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $5K | $218 | $6K | 0.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $3K | — | $3K | 5.00% |
| BANKERS INSURANCE LLC3 | PO BOX 150 STAUNTON, VA 24402 | ANTHEM LIFE INSURANCE COMPANY | $7K | $2K | $9K | 17.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $397 | — | $397 | 4.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WILLIAM GALLAGHER ASSOCIATES | 470 ATLANTIC AVENUE BOSTON, MA 02210 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $356 | — | $356 | 5.00% |
| BANKERS INSURANCE LLC3 | PO BOX 510 STAUNTON, VA 24402 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $230 | — | $230 | 4.29% |
| BANKERS INSURANCE LLC3 | PO BOX 510 STAUNTON, VA 24402 | ANTHEM LIFE INSURANCE COMPANY | $742 | $270 | $1K | 26.03% |
| BANKERS INSURANCE LLC3 | PO BOX 510 STAUNTON, VA 24402 | ANTHEM LIFE INSURANCE COMPANY | $407 | — | $407 | 14.48% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | PO BOX 436869 LOUISVILLE, KY 40253 | ANTHEM LIFE INSURANCE COMPANY | — | $97 | $97 | 3.45% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 324 | $1.1M |
| Dental(4 contracts) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 125 | $80K |
| Life insurance(3 contracts) | ANTHEM LIFE INSURANCE COMPANY | 156 | $59K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 156 | $52K |
| Long-term disability(3 contracts) | ANTHEM LIFE INSURANCE COMPANY | 156 | $59K |
| Other(3 contracts) | ANTHEM LIFE INSURANCE COMPANY | 156 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.