| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | 303 EAST BURWELL STREET SALEM, VA 24153 | DELTA DENTAL OF VIRGINIA | $6K | — | $6K | 6.40% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | DELTA DENTAL OF VIRGINIA | $556 | — | $556 | 0.58% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | 303 E BURWELL ST SALEM, VA 24153 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 7.99% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC. | 303 E BURWELL ST SALEM, VA 24153 | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | $9K | — | $9K | 17.53% |
| THE BUSINESS BENEFITS GROUP, INC. Filed as: BUSINESS SOLUTIONS INC | 303 E BURWELL ST SALEM, VA 24153 | COMPANION LIFE INSURANCE COMPANY | $2K | $5 | $2K | 7.75% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS, INC. | 303 E BURWELL STREET SALEM, VA 24153 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 20.00% |
| NONE | — | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA EIN 54-0357120 NONE | Claims processing; Other services; Float revenue; Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 3350 PEACHTREE ROAD ALTANTA, GA 30326 | $208K |
| EXPRESS SCRIPTS | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $99K |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 288 | $0 |
| Dental | DELTA DENTAL OF VIRGINIA | 452 | $96K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 312 | $103K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $81K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $81K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 288 | $0 |
| Other(3 contracts, 3 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (US) | 312 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.