| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY & SCHILLING LLC | 15200 OMEGA DR ROCKVILLE, MD 20850 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $30K | — | $30K | 1.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY & SCHILLING, LL | 15200 OMEGA DRIVE STE 100 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $5K | $13K | 7.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY, CASSIDY & SCHILLING, INC. | 15200 OMEGA DR STE 100 ROCKVILLE, MD 20850 | DEARBORN LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | DEARBORN LIFE INSURANCE COMPANY | — | $3K | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY, CASSIDY & SCHILLING, INC. | 15200 OMEGA DR STE 100 ROCKVILLE, MD 20850 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.53% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | DEARBORN LIFE INSURANCE COMPANY | — | $2K | $2K | 5.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY, CASSIDY & SCHILLING, INC. | 15200 OMEGA DR STE 100 ROCKVILLE, MD 20850 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.12% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | DEARBORN LIFE INSURANCE COMPANY | — | $2K | $2K | 5.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY, CASSIDY & SCHILLING, INC. | 15200 OMEGA DR STE 100 ROCKVILLE, MD 20850 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 13.23% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | DEARBORN LIFE INSURANCE COMPANY | — | $577 | $577 | 7.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY, CASSIDY & SCHILLING, INC. | 15200 OMEGA DR STE 100 ROCKVILLE, MD 20850 | DEARBORN LIFE INSURANCE COMPANY | $395 | — | $395 | 9.46% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | DEARBORN LIFE INSURANCE COMPANY | — | $254 | $254 | 6.09% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 129 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $172K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 129 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $204K |
| Long-term disability(4 contracts) | DEARBORN LIFE INSURANCE COMPANY | 63 | $69K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.