| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | 812 SCOTT CIRCLE SALEM, VA 24153 | TRANSAMERICA LIFE INSURANCE COMPANY | $275 | — | $275 | 3.30% |
| KATHLEEN L GARRETT3 | 340 BAUGH LANE NE ABINGDON, VA 24210 | TRANSAMERICA LIFE INSURANCE COMPANY | $93 | — | $93 | 1.12% |
| TANYA K HUNEYCUTT3 | PO BOX 520 BADIN, NC 28009 | TRANSAMERICA LIFE INSURANCE COMPANY | $48 | — | $48 | 0.58% |
| SCU HOUSE ACCT3 | 1400 CENTERVIEW DRIVE LITTLE ROCK, AR 72211 | TRANSAMERICA LIFE INSURANCE COMPANY | $7 | — | $7 | 0.08% |
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 | 927 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 927 | $334K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 927 | $334K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 927 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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.