| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 3.03% |
| YVONNE M. MILLS3 | 1037 BRIARWOOD POINT VIRGINIA BEACH, VA 23452 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 11.40% |
| STAR ROBBINS3 | P. O. BOX 1007 LONDON, KY 40744 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.10% |
| YVONNE M. MILLS3 | 1037 BRIARWOOD POINT VIRGINIA BEACH, VA 23452 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 15.97% |
| YVONNE M. MILLS3 | 1037 BRIARWOOD POINT VIRGINIA BEACH, VA 23452 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 19.43% |
| MID-STATE INSURANCE AGENCY INC3 | 2525 RIVERMONT AVENUE LYNCHBURG, VA 24503 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | — | $4K | — |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 0 | $0 |
| Dental | DELTA DENTAL OF VIRGINIA | 352 | $124K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 52 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.