| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANAGED BENEFITS, INC.3 | 4900 COX ROAD #170 GLEN ALLEN, VA 23060 | DELTA DENTAL OF VIRGINIA | $20K | — | $20K | 9.38% |
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENEFITS, INC. DBA MBI/MRI | 4900 COX ROAD STE 170 GLEN ALLEN, VA 23060 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 6.62% |
| MANAGED BENEFITS, INC.3 | 4900 COX ROAD SUITE 170 GLEN ALLEN, VA 23060 | VSP | $4K | — | $4K | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA EIN 54-0357120 RECORDKEEPER | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Other fees; Float revenue Service code 12 | — | $231K |
| HEALTHKEEPERS, INC. EIN 54-1356687 RECORDKEEPER | Other fees; Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $203K |
| INGENIORX, INC. | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $120K |
| INGENIO RX, INC. | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | — | $42K |
| MANAGED BENEFITS, INC. | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $34K |
| EXPRESS SCRIPTS, INC. | Contract Administrator; Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $12K |
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 | 639 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 672 | $217K |
| Vision | VSP | 340 | $42K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 498 | $140K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 498 | $140K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA | 639 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.