| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 EAST CHURCH AVENUE ROANOKE, VA 24011 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $63K | $0 | $63K | 2.46% |
| BENEFICIAL ASSOCIATES, INC.3 | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | -$116 | $0 | -$116 | -0.00% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $0 | $33K | 65.00% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.49% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | $0 | $119 | 0.36% |
| LUCZAK & ASSOCIATES3 | PO BOX 12465 ROANOKE, VA 24025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | $0 | $62 | 0.19% |
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 EAST CHURCH AVENUE ROANOKE, VA 24011 | ANTHEM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.14% |
| BENEFICIAL ASSOCIATES, INC.3 | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | ANTHEM LIFE INSURANCE COMPANY | $314 | $0 | $314 | 1.06% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 65.42% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | 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(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 231 | $32K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 307 | $2.6M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.