| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VBA BENEFITS CORPORATION3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | EXPRESS SCRIPTS, INC. | $9K | $0 | $9K | 2.50% |
| VBA BENEFITS CORPORATION3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $18K | $0 | $18K | 5.00% |
| VBA BENEFITS CORPORATION3 | 4490 COX RD GLEN ALLEN, VA 23060 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 5.00% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 23060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 15.79% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 23060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 15.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 NONE | Contract Administrator; Claims processing; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 2015 STAPLES MILL RD RICHMOND, VA 23230 | $6.0M |
| HEALTHKEEPERS, INC. EIN 54-1356687 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | 2015 STAPLES MILL ROAD RICHMOND, VA 23230 | $529K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 NONE | Contract Administrator Service code 13 | 4818 STARKEY RD ROANOKE, VA 24018 | $348K |
| SUNTRUST BANK EIN 53-0116200 NONE | Custodial (other than securities); Named fiduciary Service code 18 | 303 PEACHTREE STREET, NORTH EAST ATLANTA, GA 30308 | $153K |
| RXBENEFITS, INC. EIN 63-1157085 NONE | Claims processing Service code 12 | 3700 COLONNADE PKWY STE 600 BIRMINGHAM, AL 35243 | $139K |
| INGENIORX, INC. EIN 82-3062245 NONE | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | 450 HEADQUARTERS PLAZA MORRISTOWN, NJ 07960 | $2K |
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 | 9,132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 193 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 152 | $230K |
| Vision | VISION SERVICE PLAN | 5,313 | $745K |
| Life insurance(3 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 9,251 | $3.2M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,233 | $364K |
| Long-term disability(3 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 9,440 | $2.1M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 155 | $374K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 549 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,440 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.