| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON DUNNING COMPANIES, LLC | 2100 ROSS AVENUE, SUITE 200 DALLAS, TX 75201 | UNIMERICA INSURANCE COMPANY | $38K | — | $38K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | ONE SOUTH JEFFERSON STREET ROANOKE, VA 24011 | DELTA DENTAL OF VIRGINIA | $122 | — | $122 | 0.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHKEEPERS, INC. EIN 54-1356687 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Float revenue; Other services Service code 12 | 2221 EDWARD HOLLAND DRIVE RICHMOND, VA 23450 | $2.0M |
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator; Other services Service code 12 | 2221 EDWARD HOLLAND DRIVE RICHMOND, VA 23450 | $1.6M |
| CICV EIN 54-0887849 NONE | Named fiduciary; Direct payment from the plan; Accounting (including auditing); Plan Administrator; Employee (plan) Service code 10 | 118 EAST MAIN STREET BEDFORD, VA 24523 | $340K |
| BUSINESSOLVER,INC. EIN 42-1503807 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | $191K |
| MARSH & MCLENNAN AGENCY LLC EIN 54-2007411 NONE | Recordkeeping fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting fees Service code 15 | P.O. BOX 419103 BOSTON, MA 02241 | $178K |
| EBIX EIN 77-0021975 NONE | Consulting fees; Consulting (general); Direct payment from the plan Service code 16 | 1 EBIX WAY JOHNS CREEK, GA 30097 | $140K |
| MEDIMPACT EIN 33-0567651 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | 10181 SCRIPPS GATEWAY CT SAN DIEGO, CA 92131 | $117K |
| LOCKTON DUNNING EIN 20-3354970 NONE | Consulting fees; Direct payment from the plan; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | $106K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 NONE | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 24018 | $106K |
| 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 | $46K |
| RCM&D EIN 52-0555835 NONE | Direct payment from the plan; Other insurance fees and expenses Service code 50 | 555 FAIRMONT AVENUE BALTIMORE, MD 21286 | $44K |
| WEST HEALTH ADVOCATE SOLUTIONS EIN 23-3080019 NONE | Consulting fees; Consulting (general); Direct payment from the plan Service code 16 | P.O. BOX 561509 DENVER, CO 802561509 | $37K |
| BROWN, EDWARDS & COMPANY, LLP EIN 54-0504608 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 316 MCCLANAHAN ST. SW ROANOKE, VA 24014 | $19K |
| LD&B INSURANCE AGENCY, INC. EIN 54-0784757 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 205 S. LIBERTY STREET HARRISONBURG, VA 22801 | $19K |
| 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 |
| MCGRIFF INSURANCE SERVICES EIN 56-1623293 NONE | Consulting fees; Direct payment from the plan; Actuarial Service code 11 | 3201 BEECHLEAF COURT, SUITE 200 RALEIGH, NC 27604 | $10K |
| WOLCOTT & ASSOCIATES EIN 36-3560082 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 12120 STATE LINE ROAD, SUITE 297 LEAWOOD, KS 66209 | $10K |
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 | 3,562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 66 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 7,074 | $84K |
| Dental | DELTA DENTAL OF VIRGINIA | 75 | $24K |
| Vision(2 contracts, 2 carriers) | UNICARE LIFE & HEALTH INSURANCE COMPANY | 7,074 | $371K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 7,068 | $761K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,074 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.