| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| D&S LIFE AGENCY INC | 1414 FRANKLIN RD SW ROANOKE, VA 24004 | OPTIMA HEALTH PLAN | $34K | — | $34K | 2.00% |
| D&S LIFE AGENCY INC3 | PO BOX 629 ROANOKE, VA 24004 | DELTA DENTAL OF VIRGINIA | $9K | — | $9K | 4.99% |
| D&S LIFE AGENCY INC3 Filed as: D & S LIFE AGENCY | 1414 FRANKLIN ROAD SW SUITE 2 ROANOKE, VA 24016 | ANTHEM LIFE INSURANCE COMPANY | $9K | — | $9K | 10.83% |
| D&S LIFE AGENCY INC3 Filed as: D & S LIFE AGENCY INC | PO BOX 629 ROANOKE, VA 24004 | VISION SERVICE PLAN | $238 | — | $238 | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1166 AVE OF THE AMERICA'S NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $214 | — | $214 | 15.02% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH AND MCLENNAN AGENCY | 1166 AVE OF THE AMERICA'S NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $18 | — | $18 | 1.26% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OPTIMA HEALTH PLAN | 431 | $1.7M |
| Dental | DELTA DENTAL OF VIRGINIA | 471 | $177K |
| Vision | VISION SERVICE PLAN | 14 | $2K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 277 | $86K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 277 | $86K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 277 | $86K |
| Other | FEDERAL INSURANCE COMPANY | 280 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.