| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED FUIG LLC3 Filed as: ASSOCIATED FUIG, LLC | 1 NORTH ST ONANCOCK, VA 23417 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | $264 | $31K | 3.88% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DRIVE #200 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.37% |
| TRACEY E HARMON3 Filed as: TRACEY HARMON | 1736 GORDON AVE WINDSOR MILL, MD 21244 | AFLAC | $3K | $146 | $3K | 8.75% |
| PAUL THAYER3 | 6 OVERSHOT CT PHOENIX, MD 21131 | AFLAC | $747 | $34 | $781 | 2.47% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DR DAYTON, MD 21036 | AFLAC | $595 | $34 | $629 | 1.99% |
| JEAN FRESNEL JR3 | 700 12TH ST NW STE 700 WASHINGTON, DC 20005 | AFLAC | $396 | — | $396 | 1.25% |
| SUSAN MCDANIEL3 | 7501 TRAFALGAR CIR APT D221 HANOVER, MD 21076 | AFLAC | $131 | — | $131 | 0.41% |
| DAVID INSLEY3 | 116 S 3RD ST OAKLAND, MD 21550 | AFLAC | $25 | — | $25 | 0.08% |
| THOMAS J. MCCORD3 Filed as: THOMAS MCCORD | 36 MULBERRY LANE BRIDGEPORT, WV 26330 | AFLAC | $13 | — | $13 | 0.04% |
| CRYSTAL MARTIN3 | 57 LAVISTA DRIVE MORGANTOWN, WV 26508 | AFLAC | $6 | — | $6 | 0.02% |
| AMERICAN UNITED LIFE3 | ONE AMERICA SQUARE PO BOX 368 INDIANAPOLIS, IN 46206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $173 | — | $173 | 0.61% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS, LLC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $140 | — | $140 | 0.49% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | AMERICAN UNITED LIFE INSURANCE COMPANY | $73 | — | $73 | 0.26% |
| ASSOCIATED FUIG LLC3 Filed as: ASSOCIATED FUIG, LLC | 113 S CENTRE STREET CUMBERLAND, MD 21502 | NGL | $852 | — | $852 | 10.00% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $786K |
| Vision | NGL | 73 | $9K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 109 | $29K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 109 | $29K |
| Other(2 contracts, 2 carriers) | AFLAC | 109 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.