| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTLOW INSURANCE AGENCY INC3 | 2333 N. FREDERICK PIKE WINCHESTER, VA 22604 | AETNA | $43K | — | $43K | 2.63% |
| PARTLOW INSURANCE AGENCY INC3 Filed as: PARTLOW INSURANCE AGNECY, INC. | 2333 N. FREDERICK PIKE WINCHESTER, VA 22603 | HORIZON HEALTHCARE SERVICES, INC. | $58K | — | $58K | 3.72% |
| ACRISURE LLC3 | DBA THE TARPEY GROUP 310 PASSAIC AVE SUITE 202 FAIRFIELD, NJ 07004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.46% |
| PARTLOW INSURANCE AGENCY INC3 Filed as: PARTLOW INSURANCE AGENCY | P.O. BOX 2900 WINCHESTER, VA 22604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.48% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 5.75% |
| PARTLOW INSURANCE AGENCY INC3 Filed as: PARTLOW INSURANCE AGENCY, INC. | 2333 N. FREDERICK PIKE WINCHESTER, VA 22603 | USABLE LIFE | $1K | — | $1K | 3.50% |
| ACRISURE LLC3 | 123 S BROAD STREET SUITE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $275 | — | $275 | 0.87% |
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 | 313 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA | 313 | $3.2M |
| Dental(2 contracts, 2 carriers) | AETNA | 313 | $3.2M |
| Life insurance | AETNA | 300 | $1.6M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 305 | $50K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 313 | $1.6M |
| Other | AETNA | 300 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.