| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 E CHURCH AVE ROANOKE, VA 24011 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | $63K | — | $63K | 2.46% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC. | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | -$116 | — | -$116 | -0.00% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FORREST, VA 24551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $16K | — | $16K | 17.57% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA FINANCIAL SERVICES INC | 155 N WACKER DR STE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $68 | — | $68 | 0.07% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FORREST, VA 24551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 10.42% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 0.36% |
| LUCZAK & ASSOCIATES3 | PO BOX 12465 ROANOKE, VA 24025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.19% |
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 E CHURCH AVE ROANOKE, VA 24011 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 11.14% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | ANTHEM LIFE INSURANCE COMPANY | $314 | — | $314 | 1.06% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES | PO BOX 532 FORREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 65.00% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PO BOX 532 FORREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 65.00% |
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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 307 | $2.6M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 307 | $2.6M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 307 | $2.6M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 231 | $30K |
| Short-term disability(4 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 350 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.