| 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 | $57K | $59K | 3.70% |
| DAVID R FISHER3 Filed as: DAVID FISHER | P.O. BOX 120408 NEWPORT NEWS, VA 23612 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | — | $4K | 3.29% |
| BETTY MARSHALL3 | 610 THIMBLE SHOALS BLVD. SUITE 203A NEWPORT NEWS, VA 23606 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | — | $2K | 1.73% |
| BETTY MARSHALL3 | 610 THIMBLE SHOALS BLVD SUITE 203A NEWPORT NEWS, VA 23606 | ANTHEM LIFE INSURANCE COMPANY | $11K | — | $11K | 11.09% |
| DAVID R FISHER3 Filed as: DAVID FISHER | P.O. BOX 120408 NEWPORT NEWS, VA 23612 | ANTHEM LIFE INSURANCE COMPANY | $7K | — | $7K | 7.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.02% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 351 | $1.6M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 299 | $113K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 351 | $1.6M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 287 | $98K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 287 | $98K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 287 | $98K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 156 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.