| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANG WON LEE3 | 9156 MOONSTONE DRIVE FAIRFAX, VA 22301 | AETNA LIFE INSURANCE COMPANY | $27K | — | $27K | 2.06% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 0.94% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 0.89% |
| SANG WON LEE3 | 9156 MOONSTONE DRIVE FAIRFAX, VA 22301 | INNOVATION HEALTH | $13K | $7K | $21K | 2.96% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP | 1 KELLY WAY SPARKS, MD 21152 | INNOVATION HEALTH | $7K | — | $7K | 0.96% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | INNOVATION HEALTH | $5K | — | $5K | 0.74% |
| SAN WON LEE3 | 9156 MOONSTONE DRIVE FAIRFAX, VA 22301 | INNOVATION HEALTH | $3K | — | $3K | 1.96% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | INNOVATION HEALTH | $1K | — | $1K | 0.90% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE AND FINANCIAL PARTNER | 11311 MCCORMICK ROAD990 SUITE 500 HUNT VALLEY, MD 21031 | INNOVATION HEALTH | $990 | — | $990 | 0.69% |
| ALEX SANGWON LEE3 | 10306 EATON PLACE SUITE 420 FAIRFAX, VA 22030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 8.13% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 2.74% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 9.08% |
| SANG LEE3 | 10306 EASTON PL STE 420 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 8.61% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $5K | $8K | 7.80% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GRP BENEFITS & FINANCL SER | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 201553094 | METROPOLITAN LIFE INSURANCE COMPANY | $861 | $1K | $2K | 1.86% |
| OBRIEN BENEFITS & FINANCIAL SER3 | PO BOX 2636 PURCELLVILLE, VA 201344636 | METROPOLITAN LIFE INSURANCE COMPANY | $861 | — | $861 | 0.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.03% |
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PKWY SE STE 400 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13 | $13 | 0.01% |
| ALEX SANGWON LEE3 | 10306 EATON PLACE SUITE 420 FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.91% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.82% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.70% |
| ALEX SANGWON LEE3 | 10306 EATON PLACE SUITE 420 FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.15% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.83% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.66% |
| ALEX SANGWON LEE3 | 10306 EATON PLACE SUITE 420 FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.25% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.46% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.75% |
| ALEX SANGWON LEE3 | 10306 EATON PLACE SUITE 420 FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 11.23% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.79% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.90% |
| SANGWON LEE - BOR3 Filed as: SANGWON LEE | 10306 EASTON PLACE SUITE 240 FAIRFAX, VA 22030 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $973 | — | $973 | 2.56% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GROUP BENEFITS & FINANCIAL | 7001 HERTIAGE VILLAGE PLAZA STE 100 GAINSVILLE, VA 20155 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $435 | — | $435 | 1.14% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL | 11311 MCCORMICK ROAD STE 500 SUITE 500 HUNT VALLEY, MD 21031 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $196 | — | $196 | 0.52% |
| O'BRIEN BENEFITS & FINANCIAL SRVCS3 Filed as: O'BRIEN BENEFITS & FINANCIAL SERV | P.O. BOX 2636 PURCELLVILLE, VA 20134 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $61 | — | $61 | 0.16% |
| ALEX SANGWON LEE3 | 10306 EATON PLACE SUITE 420 FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.72% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $873 | $873 | 2.94% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $733 | — | $733 | 2.47% |
| ALEX SANGWON LEE3 | 10306 EATON PLACE SUITE 420 FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.43% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $812 | $812 | 3.03% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $631 | — | $631 | 2.36% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 191 | $2.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $234K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 223 | $38K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 323 | $113K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 323 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 323 | $53K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 14 | $130K |
| Other(5 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 323 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.