| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE HEALTH SOLUTIONS3 | PO BOX 3142 LYNCHBURG, VA 24503 | PIEDMONT COMMUNITY HEALTHCARE, INC. | $19K | — | $19K | 3.00% |
| INNOVATIVE HEALTH SOLUTIONS3 | PO BOX 3142 LYNCHBURG, VA 24503 | PIEDMONT COMMUNITY HEALTHCARE HMO, INC. | $12K | — | $12K | 1.82% |
| INNOVATIVE INSURANCE GROUP LLC3 | — | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | — | $4K | 5.79% |
| JAMES A SCOTT & SON INC3 | — | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $803 | — | $803 | 1.21% |
| INNOVATIVE INSURANCE GROUP LLC3 | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.35% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.75% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PIEDMONT COMMUNITY HEALTHCARE, INC. | 102 | $1.3M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 125 | $66K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $63K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $63K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $63K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $63K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.