| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| W D CAMPBELL & SON INC3 Filed as: W D CAMPBELL & SON, INC. | 801 MAIN STREET, SUITE 400 LYNCHBURG, VA 24505 | STANDARD INSURANCE COMPANY | $3K | $332 | $3K | 15.66% |
| W D CAMPBELL & SON INC3 Filed as: W D CAMPBELL & SON, INC. | 801 MAIN STREET, SUITE 400 LYNCHBURG, VA 24505 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 22.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH KEEPERS, INC (G1608) EIN 54-1356687 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue; Contract Administrator Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $288K |
| W D CAMPBELL & SON INC | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $46K |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 292 | $278K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 292 | $278K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 292 | $278K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 248 | $4K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 292 | $278K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 292 | $278K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 248 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.