| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC. | PO BOX 532 FOREST, VA 24551 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | $30K | — | $30K | 1.14% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC. | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | $11K | — | $11K | 9.00% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOC INC | 115 GOLDENROD PL LYNCHBURG, VA 24502 | RELIASTAR LIFE INSURANCE COMPANY | $38K | — | $38K | 63.86% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FORREST, VA 24551 | ALLSTATE | $6K | — | $6K | 13.66% |
| LUCZAK & ASSOCIATES3 | PO BOX 12465 ROANOKE, VA 24025 | ALLSTATE | $821 | — | $821 | 2.02% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FORREST, VA 24551 | ALLSTATE | $9K | — | $9K | 24.96% |
| LUCZAK & ASSOCIATES3 | PO BOX 12465 ROANOKE, VA 24025 | ALLSTATE | $614 | — | $614 | 1.76% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC. | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 5.68% |
| BENEFICIAL ASSOCIATES, INC.3 | P.O. BOX 532 FOREST, VA 24551 | THE GUARDIAN LIFE INSURANCE COMPANY | $748 | — | $748 | 4.00% |
| RK ASSET MANAGEMENT3 Filed as: ASSET MANAGEMENT GROUP, INC. | 3975 FAIR RIDGE DRIVE STE 225N FAIRFAX, VA 22033 | THE GUARDIAN LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 404 | $2.7M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 236 | $123K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 404 | $2.7M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 288 | $25K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 239 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.