| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANKERS INSURANCE LLC3 | 120 CROWN DRIVE, SUITE A DANVILLE, VA 24540 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $43K | $744 | $44K | 1.99% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD, SUITE 108 BUILDING 3300 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $9K | $0 | $9K | 0.39% |
| BANKERS INSURANCE LLC3 | 120 CROWN DRIVE, SUITE A DANVILLE, VA 24540 | ANTHEM LIFE INSURANCE COMPANY | $26K | $7K | $32K | 16.18% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD, SUITE 108 BUILDING 3300 VIRGINIA BEACH, VA 23452 | ANTHEM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.48% |
| BANKERS INSURANCE LLC3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $1K | $16K | 9.24% |
| MJ INSURANCE3 Filed as: TRACY DEAN VIA AND VARIOUS AGENTS | 103 WOOD STREET MARTINSVILLE, VA 24112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $7K | $15K | 8.50% |
| E B SPECIALISTS INC3 | 4329 HAWKINS MILL ROAD LYNCHBURG, VA 24503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $8K | $14K | 8.07% |
| MADELYN RENE PELCHAT3 | 1004 MAPLE AVENUE EAST VIENNA, VA 22180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $681 | $6K | 3.11% |
| ARTURO BANUELOS3 | 102 WAYNE DRIVE LYNCHBURG, VA 24502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $102 | $5K | 2.60% |
| SHERRON HOPPER3 | PO BOX 2633 LEXINGTON, SC 29071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $72 | $4K | 2.25% |
| LARISSA ANN DAVIS3 | 190 DUCK POND LANE APPOMATTOX, VA 24522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.94% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 403 | $2.2M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 403 | $2.2M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 403 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 355 | $378K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 355 | $378K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 355 | $200K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 403 | $2.2M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 194 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.