| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC.0 Filed as: ANTHEM INSURANCE COMPANY | 277BENDIX RD SUITE 100 VIRGINIA BEACH, VA 23452 | FOUR EVER LIFE INSURANCE COMPANY | — | $14K | $14K | 4.00% |
| CHARLES EVANGELAKOS3 | 125 SUMMER STREET SUITE 1400 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 8.99% |
| WILLIAM GABARINO3 | 39 OLD RIDGEBURY RD SUITE 15 DANBURY, CT 06810 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.84% |
| JACK FRIEL3 | 125 SUMMER ST SUITE 1400 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $98 | — | $98 | 0.07% |
| FAITH ARTER3 | 125 SUMMER ST SUITE 1400 BOSTON, MD 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $71 | — | $71 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLAN OF VIRGINIA EIN 54-0357120 | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $1.7M |
| EXPRESS SCRIPTS | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | — | $955K |
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 | 2,445 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INSURANCE COMPANY | 3,000 | $345K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 7,921 | $4.7M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,839 | $274K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPNAY | 2,539 | $825K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,921 | $4.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 7,921 | $4.7M |
| Other(3 contracts, 3 carriers) | ANTHEM HEALTH PLAN OF VIRGINIA | 6,477 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,921 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.