| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | 303 EAST BURWELL STREET SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.84% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | 303 EAST BURWELL STREET SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.83% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 310 1ST ST SW STE 201 ROANOKE, VA 240111926 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.16% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | 303 EAST BURWELL STREET SALEM, VA 24153 | DELTA DENTAL | $4K | — | $4K | 5.67% |
| BB&T CHANEY THOMAS3 | 310 1ST ST SW, STE 201 ROANOKE, VA 24011 | DELTA DENTAL | $2K | — | $2K | 3.51% |
| WORKSITE STRATEGIES LLC3 | PO BOX 19099 ROANOKE, VA 24019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | — | $284 | 5.66% |
| LINDA B ALLEN3 | 110 MOUNTAIN VIEW DR ROCKY MOUNT, VA 24151 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 1.08% |
| REBECCA B LOPEZ3 | PO BOX 19099 ROANOKE, VA 24019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.84% |
| RAYMOND B LINGLE3 | 192 SUMMERFIELD COURT ROANOKE, VA 24019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.10% |
| MARY FIELDER ADKINS3 Filed as: MARY FIELDER-ADKINS | 1860 CANTER DR RINER, VA 24149 | AFLAC | $14 | — | $14 | 4.61% |
| PHILIP C PIGG3 Filed as: PHILIP PIGG | P.O. BOX 29 SPENCER, VA 24165 | AFLAC | $11 | — | $11 | 3.62% |
| FAY MARTIN3 | 19220 FOREST ROAD LYNCHBURG, VA 24502 | AFLAC | $6 | — | $6 | 1.97% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILL, SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $3 | — | $3 | 0.99% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA | 222 | $220K |
| Dental | DELTA DENTAL | 202 | $64K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $86K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $81K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $81K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA | 222 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.