| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAHOURI INSURANCE & AGCY ASSOC INC3 | 8200 GREENSBORO DR STE 1550 MC LEAN, VA 22102 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $38K | $41K | 5.13% |
| SAHOURI INSURANCE & AGCY ASSOC INC3 | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 22.78% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INSURANCE AGENCY | — | LEGAL CLUB | $387 | $0 | $387 | 6.21% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PHKY SE SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $574 | $0 | $574 | 10.11% |
| JAMES T KINNEY3 | 250 ALDRICH AVE WARWICK, RI 02889 | TRANSAMERICA LIFE INSURANCE COMPANY | $141 | $0 | $141 | 2.48% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INSURANCE AGENCY & FINANCIA | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | TRANSAMERICA LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.37% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 79 | $807K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 79 | $807K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 79 | $807K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $54K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $54K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $54K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.