| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILLEN GROUP LLC3 Filed as: MILLEN GROUP | 7501 BOULDER VIEW DR STE 220 NORTH CHESTERFIELD, VA 23225 | PAN-AMERICAN LIFE INS | $60K | — | $60K | 16.42% |
| AUXIANT3 | 2450 RIMROCK RD MADISON, WI 53713 | PAN-AMERICAN LIFE INS | — | — | $0 | 0.00% |
| CHOICE FINANCIAL GROUP LLC3 Filed as: CHOICE FINANCIAL GROUP | 5544 GREENWICH RD STE 200 VIRGINIA BEACH, VA 23462 | HEALTHKEEPERS, INC. | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAN-AMERICAN LIFE INS EIN 72-0281240 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing Service code 12 | — | $50K |
| ANTHEM HEALTH PLANS OF VIRGINIA EIN 54-0357120 CONTRACT ADMINISTRATOR | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $9K |
| CHOICE FINANCIAL GROUP LLC INSURANCE BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 4664 SOUTH BLVD STE 200B VIRGINIA BEACH, VA 23452 | $2K |
| HEALTHKEEPERS, INC. EIN 54-1356687 CONTRACT ADMINISTRATOR | Other services; Other fees Service code 49 | — | $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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PAN-AMERICAN LIFE INS | 95 | $364K |
| Vision | PAN-AMERICAN LIFE INS | 95 | $364K |
| Stop-loss / reinsurancereinsurance | HEALTHKEEPERS, INC. | 0 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.