| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON CHICAGO, IL 60661 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $114K | $6K | $119K | 2.17% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON CHICAGO, IL 60661 | HEALTHKEEPERS, INC. | $8K | $353 | $8K | 2.17% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON CHICAGO, IL 60661 | ANTHEM LIFE INSURANCE COMPANY | $41K | $8K | $49K | 13.30% |
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 | 689 | 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) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,006 | $5.5M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,006 | $5.5M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,006 | $5.5M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 333 | $369K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 333 | $369K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 333 | $369K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 1,006 | $5.5M |
| Other(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 552 | $741K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,006 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.