| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANKERS INSURANCE LLC3 | PO BOX 6653 GLEN ALLEN, VA 23058 | ANTHEM HEALTH PLANS OF VIRGINIA INC | $24K | $931 | $25K | 3.88% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 9.21% |
| ARTURO BANUELOS3 | 102 WAYNE DR LYNCHBURG, VA 24502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 6.38% |
| JESSICA MICHELLE OLIVE3 | 15 GOODWIN STREET FREDERICKSBURG, VA 22406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $998 | $38 | $1K | 1.61% |
| MADELYN RENE PELCHAT3 | 1004 MAPLE AVENUE EAST VIENNA, VA 22180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $784 | $2 | $786 | 1.22% |
| E B SPECIALISTS INC3 Filed as: EB SPECIALISTS INC. | 15488 RIDGE RD NINDE, VA 22526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $494 | $2 | $496 | 0.77% |
| SHERRY JANE HUBBARD3 | PO BOX 102 STANLEYTOWN, VA 24168 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | — | $142 | 0.22% |
| WENDI DAE FOLEY3 | 5028 HENRY RD HENRY, VA 24102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.09% |
| TRACY DEAN VIA3 | 103 WOOD ST MARTINSVILLE, VA 24112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.06% |
| NEW HOPE BENEFITS & CONSULTING INC3 Filed as: NEW HOPE BENEFITS & CONSULTING INC. | 5906 WATERS EDGE RD MIDLOTHIAN, VA 23112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $5 | $21 | 0.03% |
| ERIC S. BARNETT3 | 339 E MEADOW RD EDEN, NC 27288 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BANKERS INSURANCE LLC3 | 1 STAFFORD CMNS PRINCETOWN, WV 24740 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $444 | $444 | 2.50% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $95 | — | $95 | 1.05% |
| ARTURO BANUELOS3 | 102 WAYNE DR LYNCHBURG, VA 24502 | THE PAUL REVERE LIFE INSURANCE COMPANY | $60 | $5 | $65 | 0.72% |
| E B SPECIALISTS INC3 Filed as: EB SPECIALISTS INC | 15488 RIDGE RD NINDE, VA 22526 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.15% |
| MADELYN RENE PELCHAT3 | 1004 MAPLE AVENUE EAST VIENNA, VA 22180 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.15% |
| BANKERS INSURANCE LLC3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $654 | — | $654 | 9.21% |
| ARTURO BANUELOS3 | 102 WAYNE DR LYNCHBURG, VA 24502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $245 | $156 | $401 | 26.88% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $396 | — | $396 | 26.54% |
| JESSICA MICHELLE OLIVE3 | 15 GOODWIN STREET FREDERICKSBURG, VA 22406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $4 | $93 | 6.23% |
| MADELYN RENE PELCHAT3 | 1004 MAPLE AVENUE EAST VIENNA, VA 22180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 4.96% |
| E B SPECIALISTS INC3 Filed as: EB SPECIALISTS INC | 15488 RIDGE RD NINDE, VA 22526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 3.28% |
| NEW HOPE BENEFITS & CONSULTING INC3 | 5906 WATERS EDGE RD MIDLOTHIAN, VA 23112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.20% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC | 110 | $651K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA INC | 110 | $651K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA INC | 120 | $658K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 101 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.