| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PKWY, SUITE 300 ALPHARETTA, GA 30009 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $53K | $55K | 3.70% |
| BETTY MARSHALL3 | 610 THIMBLE SHOALS BLVD. SUITE 203A NEWPORT NEWS, VA 23606 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $6K | — | $6K | 5.17% |
| BETTY MARSHALL3 Filed as: BETTY J MARSHALL | 610 THIMBLE SHOALS BLVD SUITE 203A NEWPORT NEWS, VA 23606 | ANTHEM LIFE INSURANCE COMPANY | $14K | — | $14K | 14.31% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 9.62% |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 317 | $1.5M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 324 | $109K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 317 | $1.5M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 301 | $96K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 301 | $96K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 301 | $96K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 139 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.