| 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 | $891 | $6K | 11.63% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $837 | $5K | 12.00% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $491 | $3K | 12.00% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $255 | $2K | 12.00% |
| ROBERT A ANDERSON3 Filed as: ROBERT ALLEN ANDERSON | 13710 GENERAL GEARY CT FREDERICKSBURG, VA 224071994 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | — | $261 | 13.03% |
| KATHRYN ANDERSON3 Filed as: KATHRYN ADELE ANDERSON | 4336 E MORNING VISTA LN CAVE CREEK, AZ 85331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | — | $248 | 12.38% |
| GARY GREENE3 | 204 E ARLINGTON BLVD STE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | — | $115 | 5.74% |
| JOSEPH GHANEM3 | 43347 LA BELLE PL ASHBURN, VA 201475250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 4.34% |
| KENDALL DUNLOP3 | 7730 STOCKWELL DRIVE FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 3.25% |
| JANELL FRANK3 Filed as: JANELL RENEA FRANK | 2005 WAVE DR STAFFORD, VA 225542509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 2.35% |
| DAVID W HARLESS3 Filed as: DAVID NEIL MORGAN | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 1.70% |
| ELIZABETH HUNT3 | 13211 MOUNTAIN ASH CT WOODBRIDGE, VA 22192 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 1.30% |
| DUANE A ADAMS3 Filed as: DUANE ALLEN ADAMS | 493 BAILEY DRIVE LOUISA, VA 23093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.85% |
| CYNTHIA MYER3 Filed as: CYNTHIA ANNE MYER | 1584 RIDGE RD DURANGO, CO 813036457 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.85% |
| PETER JAMES SARANTIS3 | 5073 PYRAMID WAY SUISUN, CA 94585 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.80% |
| AIMEE STATON HARDY3 | 120 HUNTINGTON HILLS LANE FREDRICKSBURG, VA 22401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.50% |
| ROGER CURTIS POWELL3 | 550 LIBERTY ST. APT 501 BRAINTREE, MA 02184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.50% |
| BOBBI MICHELLE BIRD3 | 727 BELLOWS AVE FREDRICKSBURG, VA 22405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.40% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.40% |
| AMELIA KAY SAULS MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.25% |
| RUSSELL W TINNEY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.20% |
| DANIEL JASON LONG3 | 9635 MAGLEDT RD PARKVILLE, MD 212341816 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.15% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 4030 TATES CREEK RD APT 1004 LEXINGTON, KY 405173074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.15% |
| KELLY JEAN DECKER3 | 14155 NEWBROOK DR STE 130 CHANTILLY, VA 201512293 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.05% |
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 | 173 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 397 | $55K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 397 | $55K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $57K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 31 | $25K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.