| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WANADA BUSINESS SERVICES CORP.3 Filed as: WANADA BUSINESS SERVICES | 5301 WISCONSIN AVENUE NW, SUITE 210 WASHINGTON, DC 20015 | CAREFIRST BLUECHOICE | $21K | $44 | $21K | 2.49% |
| ALAN J ZUCCARI INC5 Filed as: ALAN J. ZUCCARI, INC. | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | CAREFIRST BLUECHOICE | $0 | $8K | $8K | 0.96% |
| AVERY HALL BENEFIT SOLUTIONS INC3 Filed as: AVERY HALL BENEFIT SOLUTIONS, INC. | 312 EAST MAIN STREET SALISBURY, MD 21802 | AETNA | $19K | $0 | $19K | 4.40% |
| WANADA BUSINESS SERVICES CORP.3 | 5301 WISCONSIN AVENUE NW WASHINGTON, DC 20015 | AETNA | $13K | $0 | $13K | 2.94% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS, MD 21152 | AETNA | $12K | $0 | $12K | 2.81% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | SUN LIFE ASSURANCE COMPANY | $43K | $0 | $43K | 19.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1018 WEST 9TH AVENUE, SUITE 100 KING OF PRUSSIA, PA 19406 | SUN LIFE ASSURANCE COMPANY | $19K | $0 | $19K | 8.19% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 203491 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $860 | $0 | $860 | 2.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 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 | 476 | 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) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 187 | $1.3M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 213 | $28K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY | 476 | $257K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY | 476 | $227K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY | 476 | $227K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 187 | $1.3M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY | 476 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.