| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 113 SOUTH WAYNE AVENUE PO BOX 700 WAYNESBORO, VA 22980 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $23K | — | $23K | 2.65% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 436869 LOUISVILLE, KY 40253 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | — | $152 | $152 | 0.02% |
| BB&T INSURANCE SERVICES, INC.3 | 2108 WEST LABURNAM AVE SUITE 310 RICHMOND, VA 23227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.67% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 17370 RICHMOND, VI 23226 | DELTA DENTAL OF VIRGINIA | $2K | — | $2K | 4.92% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 198 | $878K |
| Dental | DELTA DENTAL OF VIRGINIA | 205 | $45K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $48K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.