| 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 DBA ANTHEM BCBS | $61K | — | $61K | 1.38% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $30K | — | $30K | 0.67% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ELEMENT RISK MANAGEMENT LLC | 310 NORTH HIGH STREET WEST CHESTER, PA 19380 | STANDARD INSURANCE COMPANY | $7K | $4K | $11K | 7.82% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.76% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ELEMENT RISK MANAGEMENT LLC | 310 NORTH HIGH STREET WEST CHESTER, PA 19380 | STANDARD INSURANCE COMPANY | $7K | $3K | $9K | 9.63% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $717 | — | $717 | 0.74% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: ELEMENT RISK MANAGEMENT LLC | 310 NORTH HIGH STREET WEST CHESTER, PA 19380 | STANDARD INSURANCE COMPANY | $5K | $3K | $8K | 8.19% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.06% |
| ELEMENT GROUP LLC DBA ELEMENT3 | 468 NORTH MAIN STREET WOODSTOCK, VA 22664 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.15% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.60% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 381 | $4.4M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 381 | $4.4M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 381 | $4.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 238 | $138K |
| Short-term disability | STANDARD INSURANCE COMPANY | 238 | $97K |
| Long-term disability | STANDARD INSURANCE COMPANY | 238 | $97K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 238 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.