| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WASHINGTON AGENCY NORTHWESTERN3 Filed as: WASHINGTON AGCY NORTHWESTERN GRP | 10306 EATON PLACE SUITE 420 FAIRFAX, VA 22030 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $29K | $29K | 3.50% |
| WASHINGTON AGENCY NORTHWESTERN3 Filed as: WASHINGTON AGY NORTHWESTERN GROUP | 10306 EATON PLACE SUITE 420 FAIRFAX, VA 22030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 6.78% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY SOUTHEAST SUITE 300 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $759 | — | $759 | 0.67% |
| WASHINGTON AGENCY NORTHWESTERN3 | 10306 EATON PLACE SUITE 420 FAIRFAX, VA 22030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.29% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $449 | — | $449 | 0.43% |
| WASHINGTON AGENCY NORTHWESTERN3 | 10306 EATON PLACE SUITE 420 FAIRFAX, VA 22030 | LEGAL RESOURCES | $296 | — | $296 | 4.20% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 85 | $823K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $104K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $104K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $113K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $113K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $113K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.