| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MULTIPLE BROKERS (SEE APPENDIX)3 | 1932 WYNNTON RD COLUMBUS, GA 31999 | AFLAC | $3K | $142 | $3K | 0.24% |
| ASSUREDPARTNERS3 | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 2.87% |
| ASSUREDPARTNERS3 | 10 N PARK DRIVE #200 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $524 | $524 | 2.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 PLAN ADMINISTRATION | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $260K |
| AP BENEFIT ADVISORS, LLC BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 200 INTERNATIONAL CIRCLE #4500 HUNT VALLEY, MD 21031 | $75K |
| HEALTHKEEPERS, INC. EIN 54-1356687 PLAN ADMINISTRATION | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $34K |
| NY LIFE INSURANCE COMPANY OF NA EIN 23-1503749 FML ASO FEES | Contract Administrator; Claims processing Service code 12 | — | $28K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $23K |
| ANTHEM EIN 54-0357120 EAP/FSA ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $9K |
| INGENIORX, INC. EIN 82-3062245 RX ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | — | $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 | 463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 442 | $32K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 463 | $230K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 463 | $135K |
| Other(4 contracts, 3 carriers) | AFLAC | 463 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.