| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FINANCIAL GROUP OF VA3 | 100 EASTSHORE DR STE 300 GLEN ALLEN, VA 230595758 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.62% |
| THE FINANCIAL GROUP OF VIRGINIA3 | 100 EASTSHORE DRIVE SUITE 300 GLEN ALLEN, VA 23059 | ANTHEM LIFE INSURANCE COMPANY | $5K | — | $5K | 11.45% |
| THE FINANCIAL GROUP OF VIRGINIA3 Filed as: FINANCIAL GROUP OF VIRGINIA INC | 100 E SHORE DR STE 300 GLEN ALLEN, VA 23059 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.12% |
| THE FINANCIAL GROUP OF VIRGINIA3 Filed as: FINANCIAL GROUP OF VIRGINIA INC | 100 E SHORE DRIVE STE 300 RICHMOND, VA 23059 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHKEEPERS INC EIN 54-1356687 CLAIM ADMINISTRATOR | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Float revenue Service code 12 | — | $35K |
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 CLAIM ADMINISTRATOR | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Float revenue Service code 12 | — | $14K |
| INGENIO RX INC EIN 82-3062245 CLAIM ADMINISTRATOR | Float revenue; Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2K |
| MARSH & MCLENNAN AGENCY LLC EIN 26-3237576 BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $83K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA | 156 | $48K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 112 | $47K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 112 | $47K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 45 | $49K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA | 156 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.