| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADP INC3 Filed as: ADP INSURANCE AGENCY INC | 71 HANOVER RD LOCK BOX GH200 FLORHAM PARK, NJ 07932 | KAISER FOUNDATION HEALTH PLAN | $17K | $2K | $19K | 3.39% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 9600 BLACKWELL ROAD SUITE 225 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN | $4K | — | $4K | 0.71% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF N CAROLINA LLC | 4010 OLEANDER DRIVE SUITE 11 WILMINGTON, NC 28403 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 7.30% |
| ADP INC3 Filed as: ADP INSURANCE AGENCY, INC | 71 HANOVER RD FLORHAM PARK, NJ 07932 | DELTA DENTAL OF VIRGINIA | $6K | — | $6K | 4.68% |
| NOVUS BENEFIT ADVISORS3 Filed as: NOVUS BENEFIT ADVISORS LLC | 3550 TORINGDON WAY SUITE 205 CHARLOTTE, NC 28277 | COMPANION LIFE INSURANCE COMPANY | $4K | — | $4K | 10.02% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 5.54% |
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 | 130 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 87 | $855K |
| Dental | DELTA DENTAL OF VIRGINIA | 265 | $132K |
| Vision | VISION SERVICE PLAN | 89 | $19K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 70 | $37K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 70 | $37K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 87 | $855K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.