| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET 200 GREENSBORO, NC 27455 | HEALTHKEEPERS, INC. | $31K | $1K | $32K | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET 200 GREENSBORO, NC 27455 | ANTHEM LIFE INSURANCE COMPANY | $16K | $2K | $18K | 12.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALIEGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 11.63% |
| IRIS M TREAKLE3 | PO BOX 160 IRVINGTON, VA 22480 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.31% |
| PHILLIP A GREER3 | 1025 EXECUTIVE BLVD SUITE 111 CHESAPEKE, VA 23220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $857 | — | $857 | 1.69% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $288 | — | $288 | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM SUITE 600 GREENSBORO, NC 27455 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $5K | — | $5K | 126.78% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 144 | $1.3M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 153 | $4K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 153 | $4K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 188 | $147K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 188 | $147K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 188 | $147K |
| Prescription drug | HEALTHKEEPERS, INC. | 144 | $1.3M |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 293 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.