| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J TODD MILLER & ASSOCIATES INC3 | 1026 16TH STREET NW, SUITE 102 WASHINGTON, DC 20036 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC | $79K | $12K | $90K | 5.74% |
| J TODD MILLER & ASSOCIATES INC0 | 1026 16TH ST. NW SUITE 102 WASHINGTON, DC 200365711 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $24K | $0 | $24K | 10.00% |
| J TODD MILLER & ASSOCIATES INC3 Filed as: J TODD MILLER & ASSOCIATES, INC | 1026 16TH ST. NW SUITE 102 SUITE 102 WASHINGTON, DC 200365711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 20.06% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC | 131 | $1.6M |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 190 | $237K |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 190 | $237K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 190 | $237K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC | 131 | $1.6M |
| Other(2 contracts, 2 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 190 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.