| 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, INC. | $23 | $27K | $27K | 2.44% |
| ALAN J ZUCCARI INC5 Filed as: ALAN J. ZUCCARI INC. | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | CAREFIRST BLUECHOICE, INC. | $0 | $14K | $14K | 1.26% |
| WANADA BUSINESS SERVICES CORP.3 | 5301 WISCONSIN AVENUE NW SUITE 210 WASHINGTON, DC 20015 | AETNA | $15K | $13K | $28K | 6.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS, MD 21152 | AETNA | $8K | $0 | $8K | 1.82% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | $0 | $40K | 14.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | $2K | $19K | 6.89% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 203491 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.14% |
| USI INSURANCE SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | 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 | 751 | 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) | 751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 189 | $1.6M |
| Dental | CAREFIRST BLUECHOICE, INC. | 189 | $1.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 0 | $26K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 751 | $309K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 751 | $274K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 751 | $274K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 189 | $1.6M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 751 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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.