| 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. | $42K | $0 | $42K | 1.63% |
| BENEFICIAL ASSOCIATES, INC.3 | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $13K | $0 | $13K | 0.49% |
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 EAST CHURCH AVENUE ROANOKE, VA 24011 | ANTHEM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.79% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.91% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $178 | $0 | $178 | 0.70% |
| LUCZAK & ASSOCIATES3 | PO BOX 12465 ROANOKE, VA 24025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.11% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 30.01% |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 474 | $2.6M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 474 | $2.6M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 474 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 189 | $74K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 189 | $69K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 474 | $2.6M |
| Other(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 474 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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.