Form 5500 · Employee benefit plan · GLEN ALLEN, VA
PATIENT FIRST CORPORATION
The filing calls this plan PATIENT FIRST CORP EMPLOYEE HEALTH & WELFARE BENEFIT PLAN.
PATIENT FIRST CORPORATION of GLEN ALLEN, VA spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is MARSH & MCLENNAN AGENCY LLC. Coverage is written through ANTHEM HEALTH PLANS OF VIRGINIA, INC. and 4 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 54-1353272 · plan 501 · plan year 2025, filed Dec 23, 2025
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88 other employer plans in Virginia have policy years ending in March. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 12 insured contracts covering health, vision, life, disability and stop-loss; the largest, with ANTHEM HEALTH PLANS OF VIRGINIA, INC., covers 2,009 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 2 contracts here that do not say what they cover.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $4,710,411, with $2,133,185 in disclosed broker commissions — about 45% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA, INC. | Health | 1,255 | Apr 1, 2025 | — | $1,993,695 |
| STANDARD INSURANCE COMPANY | Health | 1,016 | Apr 1, 2025 | $354,942 | $80,525 |
| STANDARD INSURANCE COMPANY | Life | 2,782 | Apr 1, 2025 | $817,274 | $20,351 |
| STANDARD INSURANCE COMPANY | Disability | 1,476 | Apr 1, 2025 | $858,690 | $20,287 |
| STANDARD INSURANCE COMPANY | Disability | 1,606 | Apr 1, 2025 | $711,012 | $17,168 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 1,466 | Apr 1, 2025 | — | $1,159 |
| ANTHEM HEALTH PLANS OF VIRGINIA, INC. | Stop-loss | 2,009 | Apr 1, 2025 | $1,697,578 | $0 |
| EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | Vision | 1,655 | Apr 1, 2025 | $182,477 | $0 |
| ANTHEM HEALTH PLANS OF VIRGINIA, INC. | Vision | 2,016 | Apr 1, 2025 | $44,395 | $0 |
| ANTHEM HEALTH PLANS OF VIRGINIA, INC. | — | 1,256 | Apr 1, 2025 | $43,092 | $0 |
| EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | Vision | 10 | Apr 1, 2025 | $951 | $0 |
| HEALTHKEEPERS, INC. | Health | 751 | Apr 1, 2025 | — | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 135545. For the contract year on this filing, the carrier reported $817,274 in premium earned and $472,962 in claims incurred. Dividing one by the other gives 58%.
STANDARD INSURANCE COMPANY, contract 135545. For the contract year on this filing, the carrier reported $858,690 in premium earned and $689,212 in claims incurred. Dividing one by the other gives 80%.
STANDARD INSURANCE COMPANY, contract 135545. For the contract year on this filing, the carrier reported $711,012 in premium earned and $-926,328 in claims incurred. Dividing one by the other gives -130%.
- STANDARD INSURANCE COMPANY, contract 135545 reported $344,317 in retention.
- STANDARD INSURANCE COMPANY, contract 135545 reported $275,746 in retention.
- STANDARD INSURANCE COMPANY, contract 135545 reported $1,637,340 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
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