| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| D&S LIFE AGENCY INC3 Filed as: D & S LIFE AGENCY INC | PO BOX 629 ROANOKE, VA 24004 | ANTHEM HEALTH PLANS OF VIRGINIA | $41K | — | $41K | 2.83% |
| D&S LIFE AGENCY INC3 | PO BOX 629 ROANOKE, VA 24004 | HEALTHKEEPERS, INC | — | — | $0 | 0.00% |
| D&S LIFE AGENCY INC3 | PO BOX 629 ROANOKE, VA 24004 | DELTA DENTAL OF VIRGINIA | $8K | — | $8K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RUTHERFOORD FINANCIAL SERVICES INC | ONE SOUTH JEFFERSON STREET ROANOKE, VA 24011 | DELTA DENTAL OF VIRGINIA | $663 | — | $663 | 0.40% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: THOMAS RUTHEROORD INC | 1001 HAXALL POINT 800 RICHMOND, VA 23219 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 7.22% |
| D&S LIFE AGENCY INC3 Filed as: D & S LIFE AGENCY | 1414 FRANKLIN ROAD SW SUITE 2 ROANOKE, VA 24016 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 4.27% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA | 380 | $1.7M |
| Dental | DELTA DENTAL OF VIRGINIA | 454 | $166K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA | 380 | $1.7M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 289 | $83K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 289 | $83K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 289 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.