| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANKERS INSURANCE LLC3 | PO BOX 9953 GLEN ALLEN, VA 23058 | ANTHEM HEALTH PLANS OF VIRGINIA INC | $28K | $0 | $28K | 3.78% |
| JESSICA MICHELLE OLIVE3 | 15 GOODWIN ST FREDERICKSBURG, VA 22406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $12K | $13K | 17.13% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 9.87% |
| ARTURO BANUELOS3 | 1140 MADISON VIEW DR APT 208 FOREST, VA 24551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $461 | $4K | 5.63% |
| E B SPECIALISTS INC3 | 15488 RIDGE RD NINDE, VA 22526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $581 | $3K | $4K | 5.32% |
| MADELYN RENE PELCHAT3 | 1004 MAPLE AVE E VIENNA, VA 22180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $973 | $0 | $973 | 1.31% |
| NEW HOPE BENEFITS & CONSULTING INC3 Filed as: NEW HOPE BENEFITS & CONSULTING INC. | 5906 WATERS EDGE RD MIDLOTHIAN, VA 23112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $3 | $119 | 0.16% |
| RAYMOND B LINGLE3 | 3812 CONCORD PL ROANOKE, VA 24018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $11 | $80 | 0.11% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| BANKERS INSURANCE LLC3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $966 | $0 | $966 | 11.34% |
| ARTURO BANUELOS3 | 1140 MADISON VIEW DR APT 208 FOREST, VA 24551 | THE PAUL REVERE LIFE INSURANCE COMPANY | $48 | $0 | $48 | 0.77% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $46 | $0 | $46 | 0.74% |
| E B SPECIALISTS INC | 15488 RIDGE RD NINDE, VA 22526 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.18% |
| MADELYN RENE PELCHAT3 | 1004 MAPLE AVE E VIENNA, VA 22180 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.16% |
| JESSICA MICHELLE OLIVE3 | 15 GOODWIN ST FREDERICKSBURG, VA 22406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $350 | $386 | 36.97% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $0 | $205 | 19.64% |
| ARTURO BANUELOS3 | 1140 MADISON VIEW DR APT 208 FOREST, VA 24551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $17 | $144 | 13.79% |
| E B SPECIALISTS INC3 | 15488 RIDGE RD NINDE, VA 22526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $53 | $62 | 5.94% |
| MADELYN RENE PELCHAT3 | 1004 MAPLE AVE E VIENNA, VA 22180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 3.16% |
| NEW HOPE BENEFITS & CONSULTING INC3 | 5906 WATERS EDGE RD MIDLOTHIAN, VA 23112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 1.25% |
| RAYMOND B LINGLE3 | 3812 CONCORD PL ROANOKE, VA 24018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.48% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 1.37% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC | 105 | $732K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA INC | 105 | $732K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 115 | $9K |
| Other(5 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 115 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.