| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | PO BOX 3070 RICHMOND, VA 23228 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $21K | — | $21K | 2.72% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS | 20 SOUTH KING STREET LEESBURG, VA 20175 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $7K | — | $7K | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | — | ANTHEM HEALTH PLAN OF VIRGINIA, INC. | $5K | — | $5K | 7.00% |
| THE BAYSIDE PLANNING GROUP LLC3 | 5806 DEEP CREEK DRIVE FREDERICKSBURG, VA 22407 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $438 | $132 | $570 | 8.15% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON AND THOMAS INC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $261 | $78 | $339 | 4.85% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 136 | $788K |
| Dental | ANTHEM HEALTH PLAN OF VIRGINIA, INC. | 140 | $67K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 136 | $788K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $7K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.