| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OSAMA S GHANEM3 Filed as: OSAMA SAHOURI GHANEM | 519 SENECA ROAD GREAT FALLS, VA 22066 | UNITEDHEALTHCARE INSURANCE COMPANY | $79K | — | $79K | 12.12% |
| OSAMA GHANEM3 | 519 SENECA ROAD GREAT FALLS, VA 22066 | CAREFIRST BLUECHOICE, INC. | $31K | $34 | $31K | 5.01% |
| EBCA5 | PO BOX 10100 MCLEAN, VA 22102 | CAREFIRST BLUECHOICE, INC. | — | $3K | $3K | 0.42% |
| SAM GHANEM3 | IIE INC PO BOX 42 GREAT FALLS, VA 22066 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $26K | — | $26K | 15.15% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP | 600 WASHINGTON AVENUE SUITE 104 TOWNSON, MD 21204 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $2K | $23K | 15.34% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $1.3M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $798K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 146 | $320K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 146 | $148K |
| Long-term disability(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 146 | $320K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 79 | $611K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $970K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.