| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD EXECUTIVE PLAZA 3, SUITE 1203 BALTIMORE, MD 21031 | CAREFIRST BLUECHOICE, INC. | — | $84K | $84K | 3.34% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 7900 WESTPARK DRIVE SUITE T220 MCLEAN, VA 22102 | CAREFIRST BLUECHOICE, INC. | — | $30K | $30K | 1.18% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN WASHINGTON, DC 20024 | DELTA DENTAL INSURANCE COMPANY | $5K | — | $5K | 2.88% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 7900 WESTPARK DRIVE SUITE T220 MCLEAN, VA 22102 | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 2.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 1285 DRUMMERS LANE SUITE 305 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $11K | 12.52% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $709 | $2K | 2.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $2K | $320 | $2K | 12.76% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1285 DRUMMERS LANE SUITE 305 WAYNE, PA 19087 | UNUM INSURANCE COMPANY | $658 | $88 | $746 | 4.95% |
| VARNEY & COMPANY BENEFITS ADVISORS3 Filed as: USE INSURANCE SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $383 | $2K | 13.65% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 1285 DRUMMERS LANE SUITE 305 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $535 | $71 | $606 | 5.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 15800 CRABBS BRANCH WAY STE 350 ROCKVILLE, MD 20855 | UNUM INSURANCE COMPANY | $374 | $34 | $408 | 4.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 1285 DRUMMERS LANE STE 305 WAYNE, PA 19087 | UNUM INSURANCE COMPANY | $16 | $6 | $22 | 0.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LEGAL RESOURCES | $253 | — | $253 | 3.71% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 304 | $2.5M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 261 | $157K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 245 | $16K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $97K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $86K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $86K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 304 | $2.5M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 126 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.