| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $42K | $6K | $47K | 7.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $59K | $10K | $69K | 14.72% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 2.43% |
| MICHAEL G OHM3 Filed as: MICHAEL G. OHM | 7556 CROSS GATE LANE ALEXANDRIA, VA 22315 | AFLAC | $16K | $9 | $16K | 3.57% |
| MJ INSURANCE3 Filed as: DENISE F. BEAMAN AND VARIOUS AGENTS | 2 EDITH DRIVE JACKSONVILLE, NC 28540 | AFLAC | $16K | $7 | $16K | 3.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $13K | $0 | $13K | 2.80% |
| IRUM LE3 | 43388 NOTTINGHAM SQUARE ASHBURN, VA 20147 | AFLAC | $6K | $9 | $6K | 1.33% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $2K | $0 | $2K | 0.39% |
| JERRY A CALLAHAN3 Filed as: JERRY A. CALLAHAN | 2750 WHISPER COURT DOUGLASVILLE, GA 30135 | AFLAC | $2K | $0 | $2K | 0.36% |
| JASON VAN LE3 | 43388 NOTTINGHAM SQUARE ASHBURN, VA 20147 | AFLAC | $1K | $0 | $1K | 0.32% |
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 | 1,510 | 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) | 1,510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,268 | $606K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,455 | $472K |
| Short-term disability | AFLAC | 591 | $462K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,455 | $472K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,455 | $934K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,455 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.