| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT BEN & COMP COMPLIANCE | 16 E CHURCH AVENUE ROANOKE, VA 24011 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $54K | — | $54K | 3.94% |
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 CHURCH AVE BRISTOL, VA 24011 | COMPANION LIFE | $4K | — | $4K | 13.47% |
| BENEFIT ASSISTANCE CORPORATION3 | 53 OUTDOOR PLAZA DRIVE RIPLEY, WV 25271 | COMPANION LIFE | $701 | — | $701 | 2.43% |
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT BEN & COMP COMPLIANCE | 16 E CHURCH AVENUE ROANOKE, VA 24011 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 13.66% |
| JAMES A SCOTT & SON INC3 | 628 GREEN VALLEY ROAD SUITE 306 GREENSBORO, NC 27408 | ANTHEM LIFE INSURANCE COMPANY | $242 | — | $242 | 3.11% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 660 | $1.4M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 660 | $1.4M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 660 | $1.4M |
| Life insurance | COMPANION LIFE | 309 | $29K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 38 | $8K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 660 | $1.4M |
| Other | COMPANION LIFE | 309 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 660 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.