| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEARING INSURANCE GROUP LLC3 | PO BOX 9953 GLEN ALLEN, VA 23058 | ANTHEM BLUE CROSS AND BLUE SHIELD | $29K | $0 | $29K | 3.52% |
| BANKERS INSURANCE LLC3 | 4490 COX RD GLEN ALLEN, VA 23060 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 8.63% |
| ARTURO BANUELOS3 | 1140 MADISON VIEW DR APT 208 FOREST, VA 24551 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 6.79% |
| MADELYN RENE PELCHAT3 | 1004 MAPLE AVE E VIENNA, VA 22180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $941 | $0 | $941 | 1.13% |
| NEW HOPE BENEFITS & CONSULTING INC3 | 5906 WATERS EDGE RD MIDLOTHIAN, VA 23112 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $422 | $234 | $656 | 0.79% |
| JESSICA MICHELLE OLIVE3 | 15 GOODWIN ST FREDERICKSBURG, VA 22406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $292 | $0 | $292 | 0.35% |
| E B SPECIALISTS INC3 | 15488 RIDGE RD NINDE, VA 22526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | $0 | $291 | 0.35% |
| RAYMOND B LINGLE3 | 5241 DRESDEN LANE ROANOKE, VA 24012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $4 | $32 | 0.04% |
| AIKEN ENTERPRISES LLC3 | 341 GILLIGAN RD HUDSON, NY 12534 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 1.71% |
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 BLUE CROSS AND BLUE SHIELD | 106 | $831K |
| Dental | ANTHEM BLUE CROSS AND BLUE SHIELD | 106 | $831K |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 106 | $831K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 83 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.