| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DECHRISTOPHER BROKERAGE INC3 Filed as: DECHRISTOPHER BROKERAGE INC. | 2100 ROUND SPRINGS DR VIENNA, VA 221812954 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 4.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR STE 500 BETHESADA, MD 20817 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $509 | $0 | $509 | 3.91% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $136 | $0 | $136 | 1.04% |
| DECHRISTOPHER BROKERAGE INC3 Filed as: DECHRISTOPHER BROKERAGE | 501 CHURCH ST NE STE 117 VIENNA, VA 22180 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $51 | $0 | $51 | 0.39% |
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 | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 367 | $113K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 358 | $13K |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 358 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.