| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | HEALTHKEEPERS, INC. | $10K | — | $10K | 2.89% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 32135 LOUISVILLE, KY 40253 | HEALTHKEEPERS, INC. | — | $112 | $112 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | ANTHEM HEALTHS PLANS OF VIRGINIA, INC. | $5K | — | $5K | 2.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | — | $2K | 9.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $555 | $4K | 17.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 25.68% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES, INC | PO BOX 436869 LOUISVILLE, KY 40253 | ANTHEM LIFE INSURANCE COMPANY | — | $871 | $871 | 6.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $241 | $2K | 17.02% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 46 | $517K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 52 | $25K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 100 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 62 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 62 | $23K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 46 | $517K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 100 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.