| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 10.00% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $918 | $6K | 12.00% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 0.73% |
| KATHRYN ANDERSON3 | 6706 FARMSTEAD LN FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 0.54% |
| KENDALL DUNLOP3 | 7730 STOCKWELL DR FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.37% |
| KAYTHRYN A ANDERSON3 | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.33% |
| GARY W GREENE3 | 204 E ARLINGTON BLVD STE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.32% |
| JOSEPH GHANEM3 | 43347 LABELLE PL ASHBURN, VA 20147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.24% |
| JANELL R FRANK3 | 2005 WAVE DR STAFFORD, VA 22554 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.18% |
| DAVID N MORGAN3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.17% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 603 JEFFERSON DAVIS HWY SUITE 101 FEDERICKSBURG, VA 22405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| AIMEE STATON HARDY3 | 120 HUNTINGTON HILLS LN FREDERICKSBURG, VA 22401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| PETER JAMES SARANTIS3 | 602 ROBINSON DRIVE ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.05% |
| ELIZABETH HUNT3 | 13211 MOUNTAIN ASH CT WOODBRIDGE, VA 22192 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| ROGER CURTIS POWELL3 | 6698 LUCKY STAR LN COLORADO SPRINGS, CO 80923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| CYNTHIA MYER3 | 2333 CR 250 DURANGO, CO 81301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| BOBBI MICHELLE BIRD3 | 6706 FARMSTEAD LANE FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| RUSSELL W TINNEY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| ALAN J ZUCCARI INC3 Filed as: ALAN ZUCCARI, INC. | 4100 MONUMENT CORNER DR, STE 500 FAIRFAX, VA 22030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| DANIEL J LONG3 | 7944 WESTBURY LN SEVERN, MD 21144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $312 | $2K | 12.00% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $301 | $2K | 12.00% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 204 | $53K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 204 | $53K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $77K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22 | $16K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.