| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DESIGN BENEFITS INC3 | PO BOX 6009 CHARLOTTESVILLE, VA 22906 | HEALTHKEEPERS, INC. | $19K | — | $19K | 1.97% |
| DESIGN BENEFITS INC3 | PO BOX 6009 CHARLOTTESVILLE, VA 22906 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 12.45% |
| RK ASSET MANAGEMENT3 Filed as: ASSET MANAGEMENT GROUP, INC. | 3975 FAIR RIDGE DRIVE, SUITE 225N FAIRFAX, VA 22033 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18 | — | $18 | 0.02% |
| DESIGN BENEFITS INC3 | PO BOX 6009 CHARLOTTESVILLE, VA 22906 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $1K | — | $1K | 1.97% |
| FLORENCE A ADAMS3 Filed as: FLORENCE ADAMS | PO BOX 54 PRATTS, VA 22731 | AFLAC | $3K | $257 | $3K | 6.27% |
| SHANE ANDY KINNER3 Filed as: SHANE ANDY KINNER AND VARIOUS AGENT | 10129 ASHLEY MANOR LANE MECHANICSVILLE, VA 23116 | AFLAC | $1K | — | $1K | 2.66% |
| DUANE A ADAMS3 Filed as: DUANE A. ADAMS | 11520 NUCKOLS ROAD, SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $769 | — | $769 | 1.52% |
| ANGELA T ADAMS3 Filed as: ANGELA T. ADAMS | PO BOX 468 MADISION, VA 22727 | AFLAC | $454 | — | $454 | 0.90% |
| MARK D LUTHER3 Filed as: MARK D. LUTHER | 804 MOOREFIELD PARK DRIVE SUITE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $344 | $52 | $396 | 0.78% |
| DAVID W HARLESS3 Filed as: DAVID W. HARLESS | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23059 | AFLAC | $289 | — | $289 | 0.57% |
| LISA M STINNETT3 Filed as: LISA M. STINNETT | 4136 OLD SPRINGFIELD ROAD GLEN ALLEN, VA 23060 | AFLAC | $276 | — | $276 | 0.55% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 216 | $1.0M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $80K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $80K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 216 | $1.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
No prospect flags tripped on this filing.