| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 113 S. WAYNE AVE. WAYNESBORO, VA 22980 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | $18K | — | $18K | 1.83% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVE. STE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 15.88% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | 3800 FERNANDINA ROAD COLUMBIA, SC 29221 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.13% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 902 PRICES FORK RD STE 2000 BLACKSBURG, VA 240603260 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $3K | — | $3K | 5.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $2K | — | $2K | 9.06% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $2K | — | $2K | 7.56% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 902 PRICES FORK RD STE 2000 BLACKSBURG, VA 24060 | AMERITAS LIFE INSURANCE CORPORATION | $235 | — | $235 | 10.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 47 AIRPARK CT GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORPORATION | — | $181 | $181 | 7.72% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 175 | $989K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 83 | $56K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 175 | $991K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $93K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $93K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $93K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 175 | $989K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.