| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS., LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | CAREFIRST BLUCHOICE, INC. | $7K | $49K | $57K | 6.24% |
| EMPLOYEE BENEFITS CORP OF AMERICA5 Filed as: EMPLOYEE BENEFITS CORP AMERICA | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | CAREFIRST BLUCHOICE, INC. | $0 | $6K | $6K | 0.69% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: THE BUSINESS BENEFITS GROUP | UNKNOWN FAIRFAX, VA 22030 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.09% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS., LLC | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 6.89% |
| GREG W WOOLLEY3 Filed as: GREG W. WOOLLEY | 15492 CLIFFVIEW DRIVE MONTCLAIR, VA 22025 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $221 | $2K | 11.84% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS., LLC | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $143 | $1K | 11.47% |
| MULLANEY ENTERPRISES LLC3 Filed as: MULLANEY ENTERPRISES, LLC | 5501 TWIN KNOLLS ROAD, SUITE 106 COLUMBIA, VA 21045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $457 | $401 | $858 | 6.72% |
| MARKS BENEFIT MANAGEMENT LLC3 Filed as: MARKS BENEFIT MANAGEMENT, LLC | 3847 EAST SPYGLASS HILL DRIVE FAYETTEVILLE, VA 72701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $209 | $133 | $342 | 2.68% |
| INSPIRED INC3 Filed as: INSPIRED, INC. | 50 LAGOSHEN DRIVE MOSCOW, VA 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | $8 | $101 | 0.79% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $5 | $49 | 0.38% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUCHOICE, INC. | 142 | $908K |
| Dental | CAREFIRST BLUCHOICE, INC. | 142 | $908K |
| Vision | CAREFIRST BLUCHOICE, INC. | 142 | $908K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 123 | $75K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 123 | $75K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 123 | $75K |
| Prescription drug | CAREFIRST BLUCHOICE, INC. | 142 | $908K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 123 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.