| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE INSURANCE GROUP LLC3 Filed as: INNOVATIVE INSURANCE GROUP | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | OPTIMA HEALTH PLAN | $9K | — | $9K | 3.50% |
| INNOVATIVE INSURANCE GROUP LLC3 Filed as: INNOVATIVE INSURANCE GROUP | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | OPTIMA HEALTH PLAN | $9K | — | $9K | 3.79% |
| INNOVATIVE INSURANCE GROUP LLC3 Filed as: INNOVATIVE INSURANCE GROUP | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | OPTIMA HEALTH INSURANCE COMPANY | $4K | — | $4K | 3.72% |
| INNOVATIVE INSURANCE GROUP LLC3 | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | — | $2K | 5.02% |
| ELMO WILSON CLARY3 | 405 LAUREL STREET EMPORIA, VA 23847 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $669 | — | $669 | 10.00% |
| L3 ADVISORY, LLC3 | 7101 WISCONSIN AVE BETHESDA, MD 20814 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.07% |
| FFG WDC LLC3 | 7101 WISCONSIN AVE SUITE 1200 BETHESDA, VA 20814 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.03% |
| ELMO WILSON CLARY3 Filed as: ELMO WILSON CLARY JR | 306 SOUTH MAIN STREET EMPORIA, VA 238472028 | UNITED HEALTHCARE INSURANCE COMPANY | $386 | — | $386 | 5.80% |
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 | 103 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 52 | $592K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 122 | $43K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $7K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 116 | $7K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 116 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
No prospect flags tripped on this filing.