| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $402 | $4K | 8.22% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSET LOOP STE 304 MANASSAS, VA 20109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 12.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN BROWN INSURANCE SERVICES, INC | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $801 | $0 | $801 | 2.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $782 | $88 | $870 | 8.28% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $618 | $618 | 5.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 11220 ASSET LOOP STE 304 MANNASSAS, VA 20109 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $269 | $0 | $269 | 2.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1358219 ADMIN | Claims processing Service code 12 | — | $57K |
| BROWN & BROWN INSURANCE OF VA BROKER | Insurance agents and brokers Service code 22 | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | $47K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $24K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | 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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $50K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $11K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 233 | $32K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 97 | $485K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.