| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $20K | $20K | 5.39% |
| AON CONSULTING INC3 | 29840 NETWORK PACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $359 | $45 | $404 | 2.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SOMERSET | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIRST UNUM LIFE INSURANCE COMPANY | $878 | $31 | $909 | 18.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | FIRST UNUM LIFE INSURANCE COMPANY | -$293 | -$19 | -$312 | -6.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP SUITE 104 MANASSAS, VA 20109 | FIRST UNUM LIFE INSURANCE COMPANY | $405 | — | $405 | 10.46% |
| JAY E. BLACK3 Filed as: JAY E BLACK | 1400 MIDHURST COURT BEL AIR, MD 21014 | FIRST UNUM LIFE INSURANCE COMPANY | $195 | — | $195 | 5.03% |
| ANN MARIE BENT3 | 4812 WALTONSHIRE CIRCLE OLNEY, MD 20832 | FIRST UNUM LIFE INSURANCE COMPANY | $165 | — | $165 | 4.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $77 | — | $77 | 2.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | VISION SERVICE PLAN | $48 | — | $48 | 1.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - SOMERSET | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIRST UNUM LIFE INSURANCE COMPANY | $485 | $13 | $498 | 23.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | FIRST UNUM LIFE INSURANCE COMPANY | -$162 | -$8 | -$170 | -7.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP SUITE 104 MANASSAS, VA 20109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 7.00% |
| SONIA A VIDAL-AWBREY3 | 2665 PROSPERITY AVENUE SUITE 113 FAIRFAX, VA 22031 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 5.00% |
| JAY E. BLACK3 Filed as: JAY E BLACK | 1400 MIDHURST COURT BEL AIR, MD 21014 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 5.00% |
| ANN MARIE BENT3 | 4812 WALTONSHIRE CIRCLE OLNEY, MD 20832 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 5.00% |
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 | 131 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 104 | $366K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $18K |
| Vision | VISION SERVICE PLAN | 63 | $3K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 106 | $7K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2 | $100 |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 106 | $5K |
| Other(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 106 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.