| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 3190 FAIRVIEW PARK DRIVE SUITE 400 FALLS CHURCH, VA 22042 | SYMETRA LIFE INSURANCE COMPANY | $48K | $0 | $48K | 3.10% |
| CFA LLC3 Filed as: CFA, LLC | 3928 PENDER DRIVE SUITE 100 FAIRFAX, VA 22030 | SYMETRA LIFE INSURANCE COMPANY | $0 | $39K | $39K | 2.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SYMETRA FINANCIAL EIN 91-0742147 REINSURANCE ADMIN | Insurance services Service code 23 | — | $1.6M |
| CAREFIRST ADMINISTRATORS EIN 52-1187907 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $242K |
| BENEFITFOCUS BENEFIT ADMIN | Plan Administrator Service code 14 | — | $227K |
| USI EIN 56-1882208 BROKER | Insurance agents and brokers Service code 22 | — | $186K |
| PROSOURCING PARTNERS EIN 45-6491273 | Accounting (including auditing) Service code 10 | — | $122K |
| HEALTH ADVOCATE OTHER | Other fees Service code 99 | — | $93K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 DENTAL ADMINISTRATION | Contract Administrator Service code 13 | — | $71K |
| FLORES & ASSOCIATES EIN 56-1542307 COBRA FLEX ADMIN | Plan Administrator Service code 14 | — | $44K |
| THE INSURANCE EXCHANGE, INC. EIN 52-0850056 INSURANCE | Insurance agents and brokers Service code 22 | — | $43K |
| ARONSON LLC EIN 37-1611326 AUDITOR | Accounting (including auditing) Service code 10 | — | $40K |
| ARENT FOX LLP EIN 53-0214923 LEGAL | Legal Service code 29 | — | $35K |
| VISION SERVICE PLAN EIN 23-7089668 VISION ADMIN | Contract Administrator Service code 13 | — | $35K |
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 | 2,364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,346 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,346 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.