| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILLS ROAD LYNCHBURG, VA 24502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 2.75% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Claims processing Service code 12 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $840K |
| HEALTHKEEPERS, INC. EIN 54-1356687 NONE | Contract Administrator; Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $366K |
| DAVIDSON HOLLAND WHITESELL & CO PLL EIN 56-1706742 NONE | Accounting (including auditing) Service code 10 | 209 13TH AVENUE PLACE NW SUITE 200 HICKORY, NC 28601 | $11K |
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 | 632 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC | 1,100 | $4.6M |
| Dental | DELTA DENTAL OF VIRGINIA | 897 | $280K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA INC | 1,100 | $4.6M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 707 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,100 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.