| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | P O BOX 532 FOREST, VA 24551 | TRANSAMERICA LIFE INSURANCE COMPANY | $17K | — | $17K | 21.75% |
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT BEN & COMP COMPLIANCE | 16 E CHURCH AVENUE ROANOKE, VA 24011 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $5K | — | $5K | 7.02% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES INC | PPO BOX 532 FOREST, VA 24551 | TRANSAMERICA LIFE INSURANCE COMPANY | $30K | — | $30K | 47.54% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 486 | $68K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 486 | $68K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 486 | $68K |
| Life insurance(2 contracts) | TRANSAMERICA LIFE INSURANCE COMPANY | 166 | $139K |
| Long-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 166 | $76K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 486 | $68K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 166 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.