| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC JV ARTH | 24 ROUSS AVE WINCHESTER, VA 226014738 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 24 ROUSS AVENUE WINCHESTER, VA 22601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 12.37% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 24 ROUSS AVENUE WINCHESTER, VA 22601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $461 | $2K | 15.80% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA INC | — | $99 | $99 | 5.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA EIN 54-0357120 NONE | Other fees; Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $57K |
| JAMES A SCOTT & SON INC NONE | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | PO BOX 10489 LYNCHBURG, VA 24506 | $29K |
| ANTHEM HEALTH PLANS OF VIRGINIA,INC | Other fees; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $26K |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC | 129 | $2K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $80K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA INC | 129 | $2K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $10K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $47K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.