No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| L.C MUSGOVE ASSOCIATES EIN 54-0759756 NONE | Contract Administrator Service code 13 | P/O. BOX 13487 ROANOKE, VA 24034 | $107K |
| AMERICAN BENEFIT GROUP EIN 55-0672859 NONE | Insurance services Service code 23 | 3150 US RT 60 ONA, WV 25545 | $30K |
| BHA CONSULTING LLC EIN 26-1384808 NONE | Actuarial; Consulting (general) Service code 11 | 5400 LAUREL SPRINGS PKWY SUWANEE, GA 30024 | $24K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | 7501 WISCONSIN AVENUE, SUITE 1200 W BETHESDA, MD 20814 | $11K |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 227 | $0 |
| Life insurance | UNION LABOR LIFE INSURANCE CORPORTATIO | 247 | $0 |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 227 | $0 |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE (ULLICO) | 227 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.