| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS | 18940 NORTH PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | UNIMERICA INSURANCE COMPANY | $30K | — | $30K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | ONE SOUTH JEFFERSON STREET ROANOKE, VA 24011 | DELTA DENTAL OF VIRGINIA | $1K | — | $1K | 4.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLAN OF VIRGINIA, INC EIN 54-0357120 NONE | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 2221 EDWARD HOLLAND DRIVE RICHMOND, VA 23450 | $2.9M |
| CICV EIN 54-0887849 NONE | Direct payment from the plan; Named fiduciary; Employee (plan); Plan Administrator; Accounting (including auditing) Service code 10 | 118 EAST MAIN STREET BEDFORD, VA 24523 | $378K |
| MARSH & MCLENNAN AGENCY LLC EIN 54-2007411 NONE | Consulting fees; Direct payment from the plan; Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | P.O. BOX 419103 BOSTON, MA 02241 | $190K |
| BUSINESSOLVER,INC. EIN 42-1503807 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | $190K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 NONE | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 24018 | $104K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $49K |
| TRANSPARENT SYSTEMS, LLC EIN 26-0889217 NONE | Consulting fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Direct payment from the plan Service code 15 | 325 WHEATRIDGE DRIVE ROSWELL, GA 30075 | $40K |
| HAYNES BENEFITS EIN 27-0075283 NONE | Consulting fees; Legal; Direct payment from the plan Service code 29 | 1650 NE GRAND SUITE 201 LEES SUMMIT, MO 64086 | $31K |
| BROWN, EDWARDS & COMPANY, LLP EIN 54-0504608 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 316 MCCLANAHAN ST. SW ROANOKE, VA 24014 | $18K |
| TRAVELERS EIN 06-0566050 NONE | Other insurance fees and expenses; Direct payment from the plan Service code 50 | 3475 LENOX ROAD, SUITE 650 ATLANTA, GA 30326 | $18K |
| THE CHUBB CORPORATION EIN 13-2595722 NONE | Direct payment from the plan; Other insurance fees and expenses Service code 50 | 15 MOUNTAIN VIEW RD WARREN, NJ 07059 | $18K |
| LD&B INSURANCE AGENCY, INC. EIN 54-0784757 NONE | Direct payment from the plan; Contract Administrator Service code 13 | 205 S. LIBERTY STREET HARRISONBURG, VA 22801 | $16K |
| STANLEY HUNT DUPREE AND RHINE EIN 56-1074313 NONE | Actuarial; Direct payment from the plan; Consulting fees Service code 11 | 7823 NATIONAL SERVICE RD GREENSBORO, NC 27409 | $12K |
| HARRISON BUILDING, INC. EIN 54-0743269 PART OWNER-BOARD MEMBER | Other fees; Direct payment from the plan Service code 50 | 118 EAST MAIN STREET BEDFORD, VA 24523 | $12K |
| RCM&D EIN 52-0555835 NONE | Other insurance fees and expenses; Direct payment from the plan Service code 50 | 555 FAIRMONT AVENUE BALTIMORE, MD 21286 | $7K |
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 | 3,672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 5,695 | $79K |
| Dental | DELTA DENTAL OF VIRGINIA | 96 | $27K |
| Vision | UNICARE LIFE & HEALTH INSURANCE COMPANY | 4,855 | $276K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 7,239 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,239 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.