| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | P.O. BOX 436869 LOUSIVILLE, KY 40253 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | $96K | $648 | $97K | 13.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | P.O. BOX 17370 RICHMOND, VA 23226 | DELTA DENTAL OF VIRGINIA | $21K | — | $21K | 4.92% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 292216486 | DELTA DENTAL OF VIRGINIA | $12K | — | $12K | 2.95% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | P.O. BOX 17370 RICHMOND, VA 23226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 11.79% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.27% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $15K | — | $15K | 12.92% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $13K | — | $13K | 11.31% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 2108 W LABURNUM AVE SUITE 310 RICHMOND, VA 23227 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $836 | $15K | 17.67% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 3.25% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 223 W NASH ST 4TH FL WILSON, NC 27893 | TRANSAMERICA | $2K | — | $2K | 4.29% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P O BOX 211486 COLUMBIA, SC 292216486 | TRANSAMERICA | $2K | — | $2K | 4.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 NONE | Float revenue; Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other fees Service code 12 | 3350 PEACHTREE ROAD POB 30302-445 ATLANTA, GA 303261039 | $230K |
| BB&T INSURANCE SERVICES INC. EIN 54-0357120 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 113 S WAYNE AVENUE WAYNESBORO, VA 22980 | $0 |
| BENEFIT COMPANY INC OF SC EIN 54-0357120 NONE | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 211486 COLUMBIA, SC 29221 | $0 |
| EXPRESS SCRIPTS INC. EIN 31-1714795 NONE | Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1 EXPRESS WAY ST LOUIS, MO 63121 | $0 |
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 | 561 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 1,164 | $746K |
| Dental | DELTA DENTAL OF VIRGINIA | 1,154 | $418K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 1,164 | $746K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 561 | $120K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 561 | $120K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 1,164 | $746K |
| Other(5 contracts, 4 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 1,164 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,164 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.