| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-ATLANTIC INSURANCE SERVICES | 200 CLIFF MIND RD SUITE 610 PITTSBURGH, PA 15275 | FIRST RELIANCE STANDARD | $32K | — | $32K | 4.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28290 | FIRST RELIANCE STANDARD | $27K | — | $27K | 4.21% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-ATLANTIC INSURANCE SERVICES | 200 CLIFF MIND RD SUITE 610 PITTSBURGH, PA 15275 | FIRST RELIANCE STANDARD | $8K | — | $8K | 4.75% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | FIRST RELIANCE STANDARD | $8K | — | $8K | 4.41% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-ATLANTIC INSURANCE SERVICES | 200 CLIFF MIND RD SUITE 610 PITTSBURGH, PA 15275 | FIRST RELIANCE STANDARD | $1K | — | $1K | 3.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | PO BOX 905494 CHARLOTTE, NC 28290 | FIRST RELIANCE STANDARD | $979 | — | $979 | 2.87% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | FIRST RELIANCE STANDARD | 221 | $177K |
| Long-term disability | FIRST RELIANCE STANDARD | 220 | $642K |
| Other | FIRST RELIANCE STANDARD | 286 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.