| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 8570 MAGELLAN PARKWAY SUITE 1100 RICHMOND, VA 23227 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $159K | — | $159K | 6.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 8570 MAGELLAN PARKWAY SUITE 1100 RICHMOND, VA 23227 | ANTHEM LIFE INSURANCE COMPANY | $34K | $9K | $43K | 19.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 8570 MAGELLAN PARKWAY SUITE 1100 RICHMOND, VA 23227 | ANTHEM HALTH PLANS OF VIRGINIA, INC. | $12K | — | $12K | 7.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP STREET SUITE 304 MANASSAS, VA 20109 | TRANSAMERICA | $10K | — | $10K | 12.84% |
No Schedule C service providers reported on this filing.
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 | 177 | 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) | 177 | 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. | 320 | $4.3M |
| Dental | ANTHEM HALTH PLANS OF VIRGINIA, INC. | 392 | $175K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 623 | $220K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 623 | $220K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 623 | $220K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 623 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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.