| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP INC | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | GHMSI | $73K | $70 | $74K | 3.50% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | P.O. BOX 10100 MCLEAN, VA 22102 | GHMSI | — | $18K | $18K | 0.88% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP | 4069 CHAIN BRIDGE ROAD FAIRFAX, VA 22030 | KAISER FOUNDATION HEALTH PLAN INC | $44K | — | $44K | 4.41% |
| TEH BUSINESS BENEFITS GROUP INC3 | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | DELTA DENTAL OF VIRGINIA | $14K | — | $14K | 5.18% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP | 4069 CHAIN BRIDGE ROAD FAIRFAX, VA 22030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 15.63% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: THE BUSINESS BENEFITS GROUP INC | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $1K | — | $1K | 5.00% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: THE BUSINESS BENEFITS GROUP | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $120 | — | $120 | 2.27% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | GHMSI | 170 | $3.1M |
| Dental | DELTA DENTAL OF VIRGINIA | 355 | $275K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 130 | $26K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 463 | $206K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 463 | $206K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 463 | $206K |
| Prescription drug | GHMSI | 170 | $2.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 463 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.