| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILLENGROUP LLC3 | 7812 ROCK CRESS DR MOSELEY, VA 23120 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| MILLENGROUP LLC3 | 7812 ROCK CRESS DR MOSELEY, VA 23120 | STANDARD INSURANCE COMPANY | $8K | $1K | $9K | 23.22% |
| MILLENGROUP LLC3 | 7812 ROCK CRESS DR MOSELEY, VA 23120 | STANDARD INSURANCE COMPANY | $5K | $836 | $6K | 22.98% |
| LAURA H MILLEN3 | 7812 ROCK CRESS DR MOELLEY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $729 | $3K | 20.46% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT LI INC | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | $92 | $318 | 2.24% |
| TIFANNY GODLEY SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | — | $178 | 1.25% |
| THE FRIEDEN AGENCY INC3 | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $6 | $88 | 0.62% |
| VALERIE PAIGE SINCLAIR3 | 230 FOREST LN DAYTON, TN 37321 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.32% |
| TOWNE INSURANCE AGENCY LLC3 | 3 COMMERCIAL PLACE NORFOLK, VA 23510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.26% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 211 | $48K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 211 | $48K |
| Life insurance | STANDARD INSURANCE COMPANY | 162 | $27K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 39 | $53K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 162 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.