| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN VA MANASSAS | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 15.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $120K |
| BROWN & BROWN OF VA BROKER | Insurance agents and brokers Service code 22 | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | $72K |
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $40K |
| REVIVEHEALTH, INC. EIN 86-1279290 ADMIN | Claims processing Service code 12 | — | $11K |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCAREINSUREDDENTAL/VISION-UNITED HEALTH | 0 | $96K |
| Vision | UNITEDHEALTHCAREINSUREDDENTAL/VISION-UNITED HEALTH | 0 | $12K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 65 | $117K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 65 | $117K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 136 | $802K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 65 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.