| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W PHILLIPS & CO | 2555 PENNSYLVANIA AVE, NW WASHINGTON, DC 20037 | GUARDIAN LIFE INSURANCE COMPANY | $32K | $13K | $45K | 11.32% |
| CRAWFORD ASSOCIATES, INC.3 | 1355 PICCARD DRIVE, SUITE 380 ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY | $50 | — | $50 | 0.01% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W PHILLIPS & CO | 2555 PENNSYLVANIA AVE, NW WASHINGTON, DC 20037 | DENTAQUEST MID-ATLANTIC, INC. | $710 | — | $710 | 6.90% |
| BENJAMIN L RUDASILL3 | 401 WESTWOOD OFFICE PARK FREDERICKSBURG, VA 22401 | TRANSAMERICA LIFE INSURANCE COMPANY | $72 | — | $72 | 2.14% |
| BONIFANT FINANCIAL GROUP, INC.3 | 6835 BONIFANT PLACE POB 416 BRYANTOWN, MD 20617 | TRANSAMERICA LIFE INSURANCE COMPANY | $50 | — | $50 | 1.49% |
| BENEFITS BY CHOICE3 Filed as: BENEFITS BY CHOICE INC | 401 WESTWOOD OFFICE PARK FREDERICKSBURG, VA 22401 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | — | $3 | 0.09% |
| BENEFITS BY CHOICE3 Filed as: BENEFITS BY CHOICE INC | 401 WESTWOOD OFFICE PARK FREDERICKSBURG, VA 22401 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W PHILLIPS & COMPANY | 2555 PENNSYLVANIA AVE NW WASHINGTON, DC 20037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 2.15% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W PHILLIPS & COMPANY | 2555 PENNSYLVANIA AVE, NW WASHINGTON, DC 20037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 3.93% |
| BONIFANT, EDWARD, EDELEN3 | 2555 PENNSYLVANIA AVE, NW WASHINGTON, DC 20037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.71% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W PHILLIPS & COMPANY | 2555 PENNSYLVANIA AVE NW WASHINGTON, DC 20037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.98% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 628 | $409K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 628 | $399K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 628 | $402K |
| Short-term disability(4 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 628 | $404K |
| Long-term disability(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 628 | $402K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 628 | $399K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.