| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANKERS INSURANCE LLC3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $22K | — | $22K | 1.43% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $5K | — | $5K | 5.00% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 9.73% |
| MCGRIFF INSURANCE SERVICES INC3 | 4309 EMPERIOR BLVD, STE 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | $26 | $1K | $1K | 1.33% |
| BANKERS INSURANCE LLC3 | 180 SOUTH FOURTH STREET WYTHEVILLE, VA 24382 | HARTFORD LIFE AND ACCIDENT | — | $145 | $145 | 0.16% |
| VARIOUS - SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | $3K | $30K | 53.01% |
| BANKERS INSURANCE LLC3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $823 | — | $823 | 5.75% |
| MCGRIFF INSURANCE SERVICES INC3 | 305 FIRST STREET SW STE 200 ROANOKE, VA 24011 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $261 | — | $261 | 1.82% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 305 FIRST STREET SW STE 200 ROANOKE, VA 24011 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $117 | — | $117 | 0.82% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 212 | $1.5M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 142 | $107K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 280 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 143 | $92K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 143 | $92K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 143 | $92K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 143 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.