| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 110 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | ANTHEM HEALTH PLANS OF VIRGINIA INC | $152K | — | $152K | 1.22% |
| THE INSURANCE EXCHANGE INC3 Filed as: INSURANCE EXCHANGE INC | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, ME 20850 | ANTHEM HEALTH PLANS OF VIRGINIA INC | — | $1K | $1K | 0.01% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, ME 20850 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $59K | $14K | $73K | 1.25% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VI 22102 | ANTHEM HEALTH PLANS OF VIRGINIA INC | $37K | — | $37K | 3.00% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET S SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87K | $14K | $101K | 11.16% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | $451 | $52K | 5.71% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | STANDARD LIFE INSURANCE COMPANY | $111K | $7K | $118K | 14.92% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, ME 20850 | STANDARD LIFE INSURANCE COMPANY | $60K | $6K | $66K | 9.64% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | GBG HOLDINGS | $48K | — | $48K | 9.00% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | STANDARD LIFE INSURANCE COMPANY | $21K | $5K | $26K | 5.59% |
| THE INSURANCE EXHANGE INC3 | 9713 KEY WEST AVENUE ROCKVILLE, ME 20850 | GUARDIAN | $17K | — | $17K | 3.83% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET S SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $120K | $21K | $141K | 62.41% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE 401 ROCKVILLE, MD 20850 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $51K | $770 | $52K | 23.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 150 WEST MAIN STREET SUITE 1840 NORFOLK, VA 23510 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH PA | $6K | — | $6K | 15.00% |
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 | 2,318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA INC | 1,489 | $18.8M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA INC | 1,810 | $1.8M |
| Vision | GUARDIAN | 1,483 | $453K |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 3,862 | $789K |
| Short-term disability | STANDARD LIFE INSURANCE COMPANY | 1,452 | $689K |
| Long-term disability | STANDARD LIFE INSURANCE COMPANY | 2,706 | $459K |
| Prescription drug | GBG HOLDINGS | 206 | $532K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,412 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,862 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.