| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. FAIRFAX | 29840 NETWORK PL. CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $43K | $49K | 2.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: HRH WILLIS OF MARYLAND INC. | 12505 PARK POTOMAC AVE, STE 300 POTOMAC, MD 20854 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $6K | $10K | 0.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL. CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 303 INTERNATIONAL CIR., STE 400 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 303 INTERNATIONAL CIRCLE, NO. 400 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $382 | — | $382 | 1.22% |
| ROBERT CAVALERI3 Filed as: ROBERT VINCENT CAVALERI | 11350 MOORE DR. MANASSAS, VA 20111 | AFLAC | $2K | — | $2K | 24.37% |
| JOSHUA THOMAS SMITH3 | 11 CEDAR ST. ROUND HILL, VA 20141 | AFLAC | $366 | — | $366 | 5.00% |
| JEREMY HOELKER3 | 10400 EATON PL., STE 400 FAIRFAX, VA 22030 | AFLAC | $300 | — | $300 | 4.10% |
| DANIEL J LONG3 Filed as: DANIEL J. LONG | 1344 ASHTON RD, STE 200 HANOVER, MD 21076 | AFLAC | $71 | — | $71 | 0.97% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $20 | — | $20 | 0.27% |
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 | 393 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 566 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 566 | $2.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 566 | $2.3M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 584 | $31K |
| Short-term disability | AFLAC | 8 | $7K |
| Long-term disability | STANDARD INSURANCE COMPANY | 449 | $34K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 584 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.