| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES INC. | 24 ROUSS AVENUE WINCHESTER, VA 22601 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $51K | $53K | 3.33% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORP. OF AMERICA | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | — | $4K | 698.85% |
| JOAN LANE3 | 6733 COZY LANE ELKRIDGE, MD 21075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 6.22% |
| COMBINED SERVICES LLC3 Filed as: COMBINED BENEFITS INC. | 3 POINTE DRIVE BREA, CA 92821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 3.63% |
| AGENCY SOLUTIONS.COM LLC3 | 1300 E SHAW AVENUE FRESNO, CA 93710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 3.11% |
| PACIFIC BAY INSURANCE GROUP INC3 Filed as: PACIFIC BAY INSURANCE GROUP INC. | 18301 VON KARMAN AVENUE IRVINE, CA 92612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 2.07% |
| DARRYL HYMES3 | 3900 JERMANTOWN ROAD FARIFAX, VA 22030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 1.04% |
| GERALYN ANASTOS3 | 1720 E D STREET ONTARIO, CA 91764 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 1.04% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 29811 SANTA MARGARITA PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.52% |
| ERIS SWANSON3 | 32101 FALL RIVER ROAD TRABUCO CANYON, CA 92679 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.52% |
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 | 389 | 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) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 389 | $1.6M |
| Dental | THE STANDARD INSURANCE COMPANY | 0 | $0 |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 389 | $1.6M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 3 | $193 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.