| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $15K | $1K | $16K | 6.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60674 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $9K | — | $9K | 3.55% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM LIFE INSURANCE COMPANY | $13K | $6K | $19K | 18.98% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 27612 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 2.16% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | KAISER FOUNDATION HEALTH PLAN INC | $957 | — | $957 | 1.94% |
| LAMONT D JACKSON3 | 307 SOUTHGATE COURT SUITE 110 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $22K | $0 | $22K | 47.70% |
| JORDAN S SMITH3 Filed as: JORDAN SHIELDS SMITH | 6669 ARNO ALLISONA ROAD COLLEGE GROVE, TN 37046 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $3K | $0 | $3K | 7.18% |
| CHERYL TAYLOR3 Filed as: CHERYL E TAYLOR | 110 ENCHANTED TRAIL WHITE BLUFF, TN 37187 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $2K | $0 | $2K | 4.26% |
| CHRISTOPHER CLUNAN3 Filed as: CHRISTOPHER M CLUNAN | 2779 JUTES DRIVE THOMPSONS STATION, TN 37179 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $442 | $0 | $442 | 0.96% |
| MELISSA MARIE HURLEY3 | 6B FERN AVENUE NASHVILLE, TN 37207 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $224 | $0 | $224 | 0.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GOVERNMENT SERVICE ADMINISTRATORS EIN 11-3335620 PLAN ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | 888 VETERANS MEMORIAL HWY STE 540 HAUPPAUGE, NY 11788 | $73K |
| FRYE & COMPANY, CPAS EIN 45-4199441 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 9161 LIBERIA AVE SUITE 304 MANASSAS, VA 20110 | $36K |
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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 348 | $310K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 348 | $261K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 348 | $261K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 121 | $99K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 463 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.