| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE INSURANCE GROUP LLC3 Filed as: INNOVATIVE INSURANCE GROUP, LLC | 15 S JEFFERSON STREET ROANOKE, VA 24011 | HEALTHKEEPERS, INC. | $26K | — | $26K | 2.44% |
| INNOVATIVE INSURANCE GROUP LLC3 | 15 S JEFFERSON STREET ROANOKE, VA 24011 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $24K | — | $24K | 2.44% |
| THOMPSON-BROOKS INSURANCE3 | 104 ANNJO COURT SUITE A FOREST, VA 24551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 21.96% |
| SCOTT MARLON3 | 204 S HICKORY HILL DRIVE MONETA, VA 24121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.12% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $855 | — | $855 | 1.21% |
| INNOVATIVE INSURANCE GROUP LLC3 | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | ANTHEM LIFE INSURANCE COMPANY | $2K | $138 | $2K | 13.03% |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 209 | $2.1M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 209 | $1000K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 209 | $1000K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 179 | $15K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 89 | $70K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 90 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.