| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE INSURANCE GROUP LLC3 | 2670 ELECTRIC RD ROANOKE, VA 24018 | PRINCIPAL LIFE INSURANCE COMPANY | $872 | — | $872 | 0.95% |
| INNOVATIVE INSURANCE GROUP LLC3 | 2670 ELECTRIC RD ROANOKE, VA 24018 | DELTA DENTAL OF VIRGINIA | $5K | — | $5K | 6.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHKEEPERS INC EIN 54-1356687 CARRIER | Other services; Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $39K |
| INNOVATIVE INSURANCE GROUP | Other commissions; Non-monetary compensation; Insurance agents and brokers Service code 22 | — | $33K |
| ANTHEM HEALTH PLANS OF VIGRINIA EIN 54-0357120 50699 | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 3075 VANDERCAR WAY CINCIANNTI, OH 45209 | $0 |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 194 | $74K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 223 | $92K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 223 | $92K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 223 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.