| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY & SCHILLING INC | 15200 OMEGA DRIVE #100 ROCKVILLE, MD 20850 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $20K | — | $20K | 1.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY & SCHILLING, LLC | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY, CASSIDY & SCHILLING, INC. | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 23.74% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | PO BOX 3065 FAIRFAX, VA 22038 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY, CASSIDY & SCHILLING, INC. | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $4K | 14.49% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | PO BOX 3065 FAIRFAX, VA 22038 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY, CASSIDY & SCHILLING, INC. | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.51% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | PO BOX 3065 FAIRFAX, VA 22038 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY, CASSIDY & SCHILLING, INC | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | $327 | $1K | 19.25% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | PO BOX 3065 FAIRFAX, VA 22038 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $672 | $672 | 8.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY, CASSIDY & SCHILLING, INC | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $371 | $210 | $581 | 15.15% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | PO BOX 3065 FAIRFAX, VA 22038 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $230 | $230 | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY, CASSIDY & SCHILLING, INC. | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $193 | $71 | $264 | 13.20% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | PO BOX 3065 FAIRFAX, VA 22038 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $115 | $115 | 5.75% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 123 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $141K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 123 | $1.7M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $141K |
| Long-term disability(5 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 57 | $59K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.