| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHOICE FINANCIAL GROUP LLC3 | 5544 GREENWICH ROAD SUITE 200 VIRGINIA BEACH, VA 23462 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $72K | — | $72K | 2.18% |
| CHOICE FINANCIAL GROUP LLC3 | 5544 GREENWICH ROAD SUITE 200 VIRGINIA BEACH, VA 23462 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $23K | — | $23K | 1.49% |
| ELEMENT GROUP LLC DBA ELEMENT3 | 468 NORTH MAIN STREET WOODSTOCK, VA 22664 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.20% |
| ELEMENT GROUP LLC DBA ELEMENT3 | 468 NORTH MAIN STREET WOODSTOCK, VA 22664 | STARMOUNT LIFE INSURANCE COMPANY | $14K | — | $14K | 9.95% |
| ELEMENT GROUP LLC DBA ELEMENT3 | 468 NORTH MAIN ST. WOODSTOCK, VA 22664 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 13.72% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ELEMENT RISK MANAGEMENT LLC | 310 N. HIGH STREET WEST CHESTER, PA 19380 | STANDARD INSURANCE COMPANY | $7K | $3K | $10K | 12.87% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 494 | $4.8M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 494 | $1.7M |
| Vision(2 contracts) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 494 | $4.8M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $260K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $260K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $260K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.