| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | HARTFORD LIFE AND ACCIDENT | $72K | $0 | $72K | 15.08% |
| WANADA BUSINESS SERVICES CORP.3 Filed as: WANADA BUSINESS SERVICES | 5301 WISCONSIN AVENUE NW SUITE 210 WASHINGTON, DC 20015 | HARTFORD LIFE AND ACCIDENT | $30K | $0 | $30K | 6.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI CONSULTING GROUP INC. | 95 GLASTONBURY BOULEVARD GLASTONBURY, CT 06033 | HARTFORD LIFE AND ACCIDENT | $656 | $2K | $3K | 0.58% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.03% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $350 | $0 | $350 | 0.96% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.07% |
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 | 1,299 | 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) | 1,299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,299 | $515K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,299 | $479K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,299 | $479K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,299 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,299 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.