| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $926 | $6K | 6.89% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.26% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP. | $3K | $1K | $5K | 8.52% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 4.17% |
| KATHRYN ANDERSON3 Filed as: KATHRYN A. ANDERSON | 4336 EAST MORNING VISTA LANE CAVE CREEK, AZ 85331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | $0 | $101 | 2.37% |
| ROBERT A ANDERSON3 Filed as: ROBERT A. ANDERSON | 13710 GENERAL GEARY COURT FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | $0 | $95 | 2.23% |
| GARY W GREENE3 Filed as: GARY W. GREENE | 1323 YATES CIRCLE FREDERICKSBURG, VA 22401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.94% |
| JOSEPH GHANEM3 | 43347 LABELLE PLACE ASHBURN, VA 20147 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.70% |
| MJ INSURANCE3 Filed as: KENDALL DUNLOP AND VARIOUS AGENTS | 7730 STOCKWELL DRIVE FREDERICKSBURG, VA 22407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.52% |
| JANELLE R. FRANK3 | 2005 WAVE DRIVE STAFFORD, VA 22554 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.16% |
| DUANE A ADAMS3 Filed as: DUANE A. ADAMS | 11520 NUCKOLS ROAD, SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.12% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 226 | $54K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 226 | $54K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $81K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.