| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 436869 LOUISVILLE, KY 40253 | ANTHEM BLUECROSS BLUESHIELD | — | $271 | $271 | 0.08% |
| BB&T SHOMO & LINEWEAVER INSURANCE3 | 328 SOUTH MAIN STREET HARRISONBURG, VA 22801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $223 | $5K | 10.68% |
| BB&T INSURANCE SERVICES, INC.3 | PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP | — | $1K | $1K | 5.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA EIN 54-0357120 NONE | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Other fees Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 303261039 | $104K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 NONE | Contract Administrator Service code 13 | PO BOX 81889 LINCOLN, NE 68501 | $9K |
| BB&T INS. SERVICES, INC. EIN 54-0357120 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 200 W VINE STREET, STE 300 LEXINGTON, VA 40507 | $0 |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUECROSS BLUESHIELD | 164 | $324K |
| Dental | AMERITAS LIFE INSURANCE CORP | 160 | $23K |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUECROSS BLUESHIELD | 164 | $347K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $49K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 191 | $49K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUECROSS BLUESHIELD | 164 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.