| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, SUITE 200 COCKEYSVILLE, MD 21030 | ANTHEM HEALTH PLANS OF VIRGINIA | $34K | $0 | $34K | 1.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF VIRGINIA | $3K | $0 | $3K | 0.14% |
| ASSUREDPARTNERS3 Filed as: ASSURANCEDPARTNERS NL LLC | 435 WHITTINGTON PARKWAY, SUITE 300 LOUISVILLE, KY 40222 | ANTHEM HEALTH PLANS OF VIRGINIA | $0 | $3K | $3K | 0.13% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 9600 BLACKWELL ROAD, SUITE 225 ROCKVILLE, MD 20850 | DEARBORN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 8.84% |
| NATIONAL CAPITAL INSURANCE AGENCY3 Filed as: NATIONAL CAPITAL INS. AGENCY, INC | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | DEARBORN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 4.68% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | DEARBORN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.11% |
| AP BENEFIT ADVISORS, LLC3 | 15200 OMEGA DRIVE, SUITE 100 ROCKVILLE, MD 20850 | GUARDIAN | $4K | $906 | $5K | 8.27% |
| USI INSURANCE SERVICES LLC3 | 300 CORPORATE CENTER DRIVE SUITE 303 CAMP HILL, PA 17011 | GUARDIAN | $4K | $0 | $4K | 6.78% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA | 313 | $2.6M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA | 313 | $2.6M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA | 313 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 166 | $241K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 70 | $181K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 70 | $181K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA | 313 | $2.6M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 166 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.