| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 10.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 80 INTERNATIONAL DRIVE SUITE 425 GREENVILLE, SC 29615 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $5K | $5K | 1.98% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $816 | $816 | 0.33% |
| STEPHANIE H. DREBING3 | 221 PERSIMMON LN JONESBOROUGH, TN 37659 | AFLAC | $22 | — | $22 | 4.65% |
| RYAN DREBING3 Filed as: RYAN A DREBING | 2112 N. ROAN STREET SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $10 | — | $10 | 2.11% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $7 | — | $7 | 1.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMWINS CONNECT ADMINISTRATORS INC BENEFIT ADMINISTRATOR | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | $80K |
| ANTHEM HEALTH PLANS OF VIRGINIA EIN 54-0357120 BENEFIT ADMINISTRATOR | Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $36K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $27K |
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 | 351 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 535 | $246K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 535 | $246K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 535 | $246K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 498 | $585K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 535 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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.