| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTLOW INSURANCE AGENCY INC3 | 2333 N. FREDERICK PIKE WINCHESTER, VA 22604 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 0.18% |
| PARTLOW INSURANCE AGENCY INC3 Filed as: PARTLOW INSURANCE AGENCY | P.O. BOX 2900 WINCHESTER, VA 22604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PARTLOW INSURANCE AGENCY INC. BROKER | Insurance agents and brokers Service code 22 | 2333 N. FREDERICK PIKE PO BOX 2900 WINCHESTER, VA 22604 | $115K |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 415 | $3.9M |
| Dental | AETNA LIFE INSURANCE CO. | 415 | $3.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 322 | $87K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 307 | $63K |
| Other | HARTFORD LIFE AND ACCIDENT | 322 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.