| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FNBC INC3 | 5311 PATTERSON AVENUE RICHMOND, VA 23226 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $41K | $1K | $43K | 1.43% |
| ELEMENT GROUP LLC DBA ELEMENT3 | 468 NORTH MAIN STREET WOODSTOCK, VA 22664 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 6.73% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ELEMENT GROUP LLC | 310 N. HIGH STREET WEST CHESTER, PA 19380 | UNITED CONCORDIA INSURANCE COMPANY | $16K | — | $16K | 10.08% |
| ELEMENT GROUP LLC DBA ELEMENT3 | 468 NORTH MAIN ST. WOODSTOCK, VA 22664 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 16.66% |
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 | 200 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 405 | $3.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 427 | $158K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 405 | $3.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $243K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $243K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $243K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.