| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHOICE FINANCIAL GROUP LLC3 Filed as: CHOICE FINANCIAL GROUP, LLC | 4664 SOUTH BOULEVARD, SUITE 200B VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $29K | $23K | $52K | 5.06% |
| BLADE BENEFIT CONSULTING LLC3 Filed as: BLADE, LLC | PO BOX 1472 VIRGINIA BEACH, VA 23451 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $7K | $0 | $7K | 0.71% |
| BLADE BENEFIT CONSULTING LLC3 Filed as: BLADE BENEFIT CONSULTING, LLC | 333 WEST FREEMASON STREET SUITE 202 NORFOLK, VA 23510 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $42K | $2K | $44K | 13.25% |
| CHOICE FINANCIAL GROUP LLC3 Filed as: CHOICE FINANCIAL GROUP, LLC | 4664 SOUTH BOULEVARD, SUITE 200B VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC. | $2K | $2K | $3K | 5.06% |
| BLADE BENEFIT CONSULTING LLC3 Filed as: BLADE, LLC | PO BOX 1472 VIRGINIA BEACH, VA 23451 | HEALTHKEEPERS, INC. | $477 | $0 | $477 | 0.71% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 229 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $329K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 256 | $1.4M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $329K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $329K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $329K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 229 | $1.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 256 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.