| 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 | $34K | $0 | $34K | 4.54% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE NORFOLK, VA 23510 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $12K | $0 | $12K | 1.63% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC | 1750 SCOTTSVILLE RD, STE 4 BOWLING GREEN, KY 42104 | ANTHEM LIFE INSURANCE COMPANY (STANDARD INSURANCE COMPANY) | $16K | $0 | $16K | 14.45% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 2.59% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | KAISER FOUNDATION HEALTH PLAN INC | $1K | $0 | $1K | 1.09% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | LEGAL RESOURCES LLC | $511 | $0 | $511 | 5.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GOVERNMENT SERVICE ADMINISTRATORS EIN 11-3335620 PLAN ADMIN | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 14 | 888 VETERANS MEMORIAL HWY STE 540 HAUPPAUGE, NY 11788 | $87K |
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 | 286 | 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) | 286 | 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 | 392 | $846K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 392 | $740K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 392 | $740K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY (STANDARD INSURANCE COMPANY) | 276 | $108K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY (STANDARD INSURANCE COMPANY) | 286 | $153K |
| Other | LEGAL RESOURCES LLC | 33 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.