| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAWSON MICHELLE DAWN HYDE | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $908 | — | $908 | 10.93% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $719 | — | $719 | 8.66% |
| LAYNE FINANCIAL INC Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $402 | — | $402 | 4.84% |
| MRM & ASSOCS OF AMERICA LTD Filed as: MRM ASSOCS OF AMERICA LTD | 762 CHAPEL RIDGE DR PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 1.32% |
| LAWSON MICHELLE DAWN HYDE | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $608 | — | $608 | 8.37% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $480 | — | $480 | 6.61% |
| LAYNE FINANCIAL INC Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $301 | — | $301 | 4.14% |
| MRM & ASSOCS OF AMERICA LTD Filed as: MRM ASSOCS OF AMERICA LTD | 762 CHAPEL RIDGE DR PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | — | $76 | 1.05% |
| LAWSON MICHELLE DAWN HYDE | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $367 | — | $367 | 12.95% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $278 | — | $278 | 9.81% |
| LAYNE FINANCIAL INC Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON RD SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | — | $163 | 5.75% |
| MRM & ASSOCS OF AMERICA LTD Filed as: MRM ASSOCS OF AMERICA LTD | 762 CHAPEL RIDGE DR PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 1.20% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 142 | $2.2M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 143 | $90K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 86 | $11K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 7 | $107K |
| Short-term disability(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 25 | $18K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 7 | $107K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 16 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.