| 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. | $19K | — | $19K | 5.70% |
| BB&T INSURANCE SERVICES, INC.3 | 47 AIRPARK CT, P.O. BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP. | — | $7K | $7K | 2.18% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 W FRIENDLY AVE STE 400 GREENSBORO, NC 37410 | AETNA LIFE INSURANCE CO. | $21K | — | $21K | 7.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VA EIN 54-0357120 NONE | Insurance agents and brokers; Claims processing; Insurance brokerage commissions and fees; Other services; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Other commissions Service code 12 | — | $267K |
| HEALTHKEEPERS, INC. EIN 54-1356687 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Other fees Service code 12 | — | $68K |
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 | 523 | 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) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 935 | $541K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,080 | $326K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,080 | $326K |
| Life insurance | AETNA LIFE INSURANCE CO. | 930 | $290K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 930 | $290K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 930 | $290K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 935 | $541K |
| Other | AETNA LIFE INSURANCE CO. | 930 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,080 | — |
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.