| 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. | $44K | — | $44K | 1.78% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC. | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | $11K | — | $11K | 8.94% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOC INC | 115 GOLDENROD PL LYNCHBURG, VA 24502 | RELIASTAR LIFE INSURANCE COMPANY | $13K | — | $13K | 21.53% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FORREST, VA 24551 | ALLSTATE | $4K | — | $4K | 9.92% |
| LUCZAK & ASSOCIATES3 | PO BOX 12465 ROANOKE, VA 24025 | ALLSTATE | $144 | — | $144 | 0.38% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | ALLSTATE | $83 | — | $83 | 0.22% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC. | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 5.95% |
| BENEFICIAL ASSOCIATES, INC.3 | P.O. BOX 532 FOREST, VA 24551 | THE GUARDIAN LIFE INSURANCE COMPANY | $890 | — | $890 | 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 | $3 | — | $3 | 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 | 291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 378 | $2.4M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 231 | $120K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 378 | $2.5M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 268 | $25K |
| Short-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 213 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.