| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENEFITS INC | 4900 COX RD STE 170 GLEN ALLEN, VA 23060 | HEALTHKEEPERS INC | $58K | — | $58K | 2.60% |
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENEFITS INC | 4900 COX ROAD SUITE 170 GLEN ALLEN, VA 23060 | DEARBORN LIFE INSURANCE COMPANY | $29K | — | $29K | 17.46% |
| GIS OF ILLINOIS3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | $10K | — | $10K | 5.82% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN | PO BOX 9201 AUSTIN, TX 78766 | DEARBORN LIFE INSURANCE COMPANY | $10K | — | $10K | 5.82% |
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENEFITS INC. | 4900 COX RD STE 170 GLEN ALLEN, VA 23060 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | $1K | — | $1K | 0.97% |
| VA AUTOMOBILE DLRS SVCS3 | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 13.89% |
| VA AUTOMOBILE DLRS SVCS3 | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $849 | — | $849 | 14.04% |
| VA AUTOMOBILE DLRS SVCS3 | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $408 | — | $408 | 15.20% |
| VA AUTOMOBILE DLRS SVCS3 | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $194 | — | $194 | 10.54% |
| VA AUTOMOBILE DLRS SVCS3 | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $35 | — | $35 | 11.95% |
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 | 260 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS INC | 446 | $2.2M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 264 | $126K |
| Vision | HEALTHKEEPERS INC | 446 | $2.2M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 646 | $163K |
| Short-term disability(6 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 646 | $183K |
| Long-term disability(5 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 646 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.