| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 COCKEYSVILLE, MD 21030 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $33K | — | $33K | 1.69% |
| AP BENEFIT ADVISORS, LLC3 | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.28% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1101 WOOTTON PKWY SUITE 820 ROCKVILLE, MD 20852 | DEARBORN LIFE INSURANCE COMPANY | $497 | — | $497 | 4.74% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | DEARBORN LIFE INSURANCE COMPANY | — | $349 | $349 | 3.33% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CAPITAL, INC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | DEARBORN LIFE INSURANCE COMPANY | $299 | — | $299 | 2.85% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1101 WOOTTON PKWY STE 820 ROCKVILLE, MD 20850 | DEARBORN LIFE INSURANCE COMPANY | $173 | — | $173 | 4.93% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CAPITAL, INC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, FL 32746 | DEARBORN LIFE INSURANCE COMPANY | $159 | — | $159 | 4.53% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | DEARBORN LIFE INSURANCE COMPANY | — | $151 | $151 | 4.30% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 296 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $186K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 296 | $1.9M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $186K |
| Short-term disability(2 contracts) | DEARBORN LIFE INSURANCE COMPANY | 20 | $14K |
| Long-term disability(2 contracts) | DEARBORN LIFE INSURANCE COMPANY | 20 | $14K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.