| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DJA, INC.3 | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 3.55% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $689 | $689 | 0.09% |
| DJA, INC.3 | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 7.92% |
| TRUE NETWORK ADVISORS3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $305 | $305 | 0.24% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $835 | $0 | $835 | 13.07% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 89 | $729K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $126K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 87 | $6K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $126K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $126K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $126K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 89 | $729K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.