| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | ANTHEM HEALTH PLANS OF VIRGINIA INC | $66K | — | $66K | 0.65% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $54K | — | $54K | 1.00% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VI 22102 | ANTHEM HEALTH PLANS OF VIRGINIA INC | $35K | — | $35K | 3.00% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | STANDARD LIFE INSURANCE COMPANY | $121K | $7K | $128K | 15.21% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET S SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61K | $8K | $68K | 8.65% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $34 | $20K | 2.53% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | STANDARD LIFE INSURANCE COMPANY | $68K | $6K | $74K | 9.99% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | STANDARD LIFE INSURANCE COMPANY | $26K | $5K | $31K | 5.43% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | GBG HOLDINGS | $51K | — | $51K | 9.00% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET S SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $66K | $6K | $71K | 31.83% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE 401 ROCKVILLE, MD 20850 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 3.40% |
| THE INSURANCE EXHANGE INC3 | 9713 KEY WEST AVENUE ROCKVILLE, ME 20850 | GUARDIAN | $8K | — | $8K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 400 GLEN ALLEN, VA 230609273 | 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 | 2,382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,389 | 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 | 1,401 | $16.2M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA INC | 1,864 | $1.7M |
| Vision | GUARDIAN | 1,375 | $158K |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 1,262 | $741K |
| Short-term disability | STANDARD LIFE INSURANCE COMPANY | 3,425 | $844K |
| Long-term disability | STANDARD LIFE INSURANCE COMPANY | 2,269 | $569K |
| Prescription drug | GBG HOLDINGS | 336 | $562K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,709 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,425 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.