| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $6K | $6K | $11K | 0.45% |
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 CHURCH AVENUE ROANOKE, VA 24011 | COMPANION LIFE INSURANCE COMPANY | $14K | $0 | $14K | 15.00% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | COMPANION LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.50% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 20.30% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $944 | $0 | $944 | 1.25% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 24.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $6K | $4K | $9K | 15.06% |
| LARRY W OWEN3 Filed as: LARRY W. OWEN | 2101 STONE MILL DRIVE SALEM, VA 24153 | AFLAC | $2K | $0 | $2K | 9.02% |
| DEBBIE S COLLINS3 Filed as: DEBBIE S. COLLINS AND OTHER AGENTS | 2945 GREEN HILL DRIVE SALEM, VA 24153 | AFLAC | $401 | $0 | $401 | 1.76% |
| KEVIN L MARTIN3 Filed as: KEVIN L. MARTIN | 1534 LINKS VIEW DRIVE SALEM, VA 24153 | AFLAC | $189 | $0 | $189 | 0.83% |
| AUBREY W DAMRON3 Filed as: AUBREY W. DAMRON | 355 STONELEDGE DRIVE ROANOKE, VA 24019 | AFLAC | $91 | $0 | $91 | 0.40% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 2332 VOLUNTEER PARKWAY BRISTOL, TN 37620 | AFLAC | $89 | $0 | $89 | 0.39% |
| JOHN A HAWLEY3 Filed as: JOHN A. HAWLEY | 575 DOBBINS HOLLOW ROAD NE PILOT, VA 24138 | AFLAC | $81 | $0 | $81 | 0.36% |
| MELVIN R JONES3 Filed as: MELVIN R. JONES | 3025 ELIOCH MANOR DRIVE POWHATAN, VA 23139 | AFLAC | $51 | $0 | $51 | 0.22% |
| USI INSURANCE SERVICES LLC3 | 613 RIVER PARK ROAD BELMONT, NC 28012 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN AGCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 1.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.12% |
| DANIEL OWEN MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.12% |
| TRIVETT WINGO4 | 1218 SOUTH WALTERS STREET SAN ANTONIO, TX 78210 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $109 | $0 | $109 | 5.07% |
| EMILIE A. DAVIS4 | 17 LINK ROAD LEXINGTON, VA 24450 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $43 | $0 | $43 | 2.00% |
| JUDITH S. BAKER4 | 3434 STONEHENGE SQUARE ROANOKE, VA 24018 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $38 | $0 | $38 | 1.77% |
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 | 431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 821 | $2.5M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 821 | $2.5M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 821 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 431 | $136K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 195 | $90K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 431 | $60K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 821 | $2.5M |
| Other(7 contracts, 7 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 656 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 821 | — |
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.