| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DESIGN BENEFITS INC3 Filed as: DESIGN BENEFITS INC. | PO BOX 6009 CHARLOTTESVILLE, VA 22906 | HEALTHKEEPERS, INC. | $28K | $0 | $28K | 2.54% |
| DESIGN BENEFITS INC3 Filed as: DESIGN BENEFITS INC. | PO BOX 6009 CHARLOTTESVILLE, VA 22906 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 12.32% |
| 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 | $19 | $0 | $19 | 0.02% |
| DESIGN BENEFITS INC3 | PO BOX 6009 CHARLOTTESVILLE, VA 22906 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | $0 | $2K | 2.54% |
| FLORENCE A ADAMS3 Filed as: FLORENCE A. ADAMS | PO BOX 54 PRATTS, VA 22731 | AFLAC | $3K | $108 | $3K | 6.47% |
| MJ INSURANCE3 Filed as: LISA M. STINNETT AND VARIOUS AGENTS | 4136 OLD SPRINGFIELD ROAD GLEN ALLEN, VA 23060 | AFLAC | $2K | $52 | $2K | 3.40% |
| DUANE A ADAMS3 Filed as: DUANE A. ADAMS | 11520 NUCKOLS ROAD, SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $738 | $0 | $738 | 1.42% |
| ANGELA T ADAMS3 Filed as: ANGELA T. ADAMS | PO BOX 495 MADISON, VA 22727 | AFLAC | $485 | $21 | $506 | 0.98% |
| ANGELA DUNN3 | 3750 CRAB ORCHARD ROAD KEYSVILLE, VA 23947 | AFLAC | $324 | $0 | $324 | 0.63% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DRIVE SUITE 108 RICHMOND, VA 23236 | AFLAC | $281 | $0 | $281 | 0.54% |
| DAVID W HARLESS3 Filed as: DAVID W. HARLESS | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23060 | AFLAC | $276 | $0 | $276 | 0.53% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 201 | $1.2M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $85K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $85K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 201 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.