| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | P.O. BOX 203991 DALLAS, TX 75320 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $26K | — | $26K | 4.08% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | P.O. BOX 203510 DALLAS, TX 75320 | AENTA LIFE INSURANCE CO. | $39K | — | $39K | 14.92% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | P.O. BOX 203510 DALLAS, TX 75320 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $7K | — | $7K | 5.00% |
| WELLS FARGO INSURANCE SERVICES3 | 9020 STONEY POINT PKWY STE 200 RICHMOND, VA 23235 | GUARDIAN | $4K | $724 | $4K | 15.57% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 203 | $1.3M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 261 | $131K |
| Vision(3 contracts, 3 carriers) | HEALTHKEEPERS, INC. | 237 | $1.3M |
| Life insurance | AENTA LIFE INSURANCE CO. | 403 | $261K |
| Short-term disability | AENTA LIFE INSURANCE CO. | 403 | $261K |
| Long-term disability | AENTA LIFE INSURANCE CO. | 403 | $261K |
| Other | AENTA LIFE INSURANCE CO. | 403 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.