| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $91K | $11K | $102K | 3.04% |
| CLAUDE V WILLIAMSON3 | 39 WINTER LANE WAYNESBORO, VA 22980 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $466 | $865 | $1K | 5.34% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIRCLE #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $4 | $213 | 0.85% |
| RAYMOND B LINGLE3 | 3812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 0.35% |
| MICHELLE I MCADAMS3 | 1545 BOYERS ROAD HARRISONBURG, VA 22801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.31% |
| LAURA H MILLEN3 | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| JOHN BENSON MILLEN III3 Filed as: JOHN BENSON MILLEN LII | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: LAYMAN DIENER & BORNTRAGER INSURANC | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 347 | $3.4M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 347 | $3.4M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 347 | $3.4M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 420 | $151K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 420 | $151K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 420 | $151K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 420 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.