| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC GROUP BENEFITS LLC3 | 6901 ROCKLEDGE DR STE 70 BETHESDA, MD 20817 | UNITED HEALTHCARE INSURANCE COMPANY | $739 | $0 | $739 | 10.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC - MID-ATLA | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | UNITED HEALTHCARE INSURANCE COMPANY | $369 | $0 | $369 | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ MT DONAHOE & ASSOC LLC | 9841 BROKEN LAND PARKWAY COLUMBIA, MD 21046 | ANTHEM HEALTH PLANS OF VIRGINIA INC | $18K | $4K | $22K | — |
| STRATEGIC GROUP BENEFITS LLC3 | 6901 ROCKLEDGE DR STE 700 BETHESDA, MD 20817 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | — |
| STRATEGIC GROUP BENEFITS LLC3 | 6901 ROCKLEDGE DR STE 700 BETHESDA, MD 20817 | DELTA DENTAL OF VIRGINIA | $7K | — | $7K | — |
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 | 261 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC | 261 | $0 |
| Dental | DELTA DENTAL OF VIRGINIA | 261 | $0 |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 261 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $0 |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $0 |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.