| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | 310 1ST ST SW, SUITE 201 ROANOKE, VA 24011 | AMERITAS LIFE INSURANCE CORP. | — | — | $0 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 | 47 AIRPARK CT, P.O. BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP. | — | — | $0 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 37410 | AETNA LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHKEEPERS, INC. EIN 54-1356687 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Claims processing; Other fees Service code 12 | — | $61K |
| ANTHEM HEALTH PLANS OF VA EIN 54-0357120 NONE | Contract Administrator; Claims processing; Other fees; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $53K |
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 | 542 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 419 | $133K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,133 | $79K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 419 | $133K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,044 | $73K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,044 | $73K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,044 | $73K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 419 | $133K |
| Other | AETNA LIFE INSURANCE CO. | 1,044 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,133 | — |
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."
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.