| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANKERS INSURANCE LLC3 | — | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $25K | — | $25K | 2.83% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SERVICES, INC 800 MAIN ST DUBUQUE, IA 52001 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $44K | $10K | $54K | 11.63% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER | INSURANCE SERVICES, INC 800 MAIN ST DUBUQUE, IA 52001 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $27K | $5K | $32K | 14.26% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | INSURANCE SERVICES INC 800 MAIN ST DUBUQUE, IA 52001 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | $4K | $12K | 7.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | — | COMMUNITY INSURANCE COMPANY | $5K | $778 | $6K | 5.22% |
| BANKERS INSURANCE LLC3 Filed as: BANKERS INSURANCE, LLC | SUITE 912 801 MAIN STREET LYNCHBURG, VA 24504 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 7.06% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & COMPANY | — | DELTA DENTAL OF IDAHO | $2K | — | $2K | 8.00% |
| BANKERS INSURANCE LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $715 | — | $715 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $751 | $67 | $818 | 15.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INC | — | ANTHEM LIFE INSURANCE COMPANY | $352 | — | $352 | 9.41% |
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 | 1,861 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 87 | $979K |
| Dental(3 contracts, 3 carriers) | HEALTHCARE SERVICE CORPORATION | 121 | $230K |
| Vision(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 1,056 | $1.2M |
| Life insurance(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,358 | $474K |
| Short-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,073 | $231K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 863 | $176K |
| Prescription drug(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 87 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,358 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.