| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | SYMETRA LIFE INSURANCE COMPANY | $89K | $0 | $89K | 5.15% |
| CFA LLC3 | 1501 SOUTH CLINTON STREET BALTIMORE, MD 21224 | SYMETRA LIFE INSURANCE COMPANY | $0 | $38K | $38K | 2.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USI INSURANCE SERVICES EIN 56-1882208 BROKER | Insurance agents and brokers Service code 22 | — | $232K |
| CAREFIRST ADMINISTRATORS EIN 52-1187907 THIRD PARTY ADMIN | Insurance services Service code 23 | — | $203K |
| CORDIA PARTNERS EIN 45-3491273 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $151K |
| BENEFITFOCUS EIN 57-1099948 BENEFIT ADMINISTRATOR | Recordkeeping fees Service code 64 | — | $128K |
| HEALTH ADVOCATE EIN 36-2167779 OTHER | Other services Service code 49 | — | $110K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 DENTAL INSURER | Insurance services Service code 23 | — | $67K |
| THE INSURANCE EXCHANGE, INC. EIN 52-0850056 INSURANCE | Insurance services Service code 23 | — | $42K |
| VISION SERVICE PLAN EIN 23-7089668 VISION INSURER | Insurance services Service code 23 | — | $40K |
| ARONSON LLC EIN 37-1611326 AUDITOR | Accounting (including auditing) Service code 10 | — | $40K |
| MD LIVE EIN 35-2486216 TELEHEALTH SERVICES | Other services Service code 49 | — | $12K |
| ARENT FOX LLP EIN 53-0214923 LEGAL | Legal Service code 29 | — | $9K |
| FLORES & ASSOCIATES EIN 56-1542307 COBRA/FLEX ADMIN | Other services Service code 49 | — | $8K |
| MARCUM LLP EIN 11-1986323 HR SERVICES | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $8K |
| CONIFER HEALTH EIN 23-1728483 HEALTH DATA WAREHOUSE | Other services Service code 49 | — | $7K |
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 | 2,473 | 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) | 2,473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,473 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,473 | — |
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."
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.