| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | INNOVATION HEALTH | $0 | $11K | $11K | 0.71% |
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | AETNA LIFE INSURANCE CO. | $5K | $0 | $5K | 2.10% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | AETNA LIFE INSURANCE CO. | $3K | $27 | $3K | 1.24% |
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 7.57% |
| EMLYN MARSTELLER IV3 Filed as: EMLYN MARSTELLER | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $627 | $8K | 7.47% |
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $51 | $6K | 5.38% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS ROAD COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 4.34% |
| GREG W WOOLLEY3 Filed as: GREG WOOLLEY | 15492 CLIFFVIEW DRIVE MONTCLAIR, VA 22026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $964 | $3K | 3.05% |
| MJ INSURANCE3 Filed as: JEROME MAGRI AND VARIOUS AGENTS | 211 DOGLEG DRIVE WILLIAMSBURG, VA 23188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $926 | $128 | $1K | 0.98% |
| DURWOOD BOOTH JR3 Filed as: DURWOOD BOOTH | 6231 HIGHAM DRIVE ALEXANDRIA, VA 22310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $894 | $0 | $894 | 0.83% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MD | 204 CATOCTIN CIRCLE SE LEESBURG, VA 20175 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $371 | $0 | $371 | 0.35% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INNOVATION HEALTH | 314 | $1.7M |
| Dental | AETNA LIFE INSURANCE CO. | 314 | $215K |
| Vision | AETNA LIFE INSURANCE CO. | 314 | $215K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 368 | $236K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 105 | $107K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 368 | $129K |
| Prescription drug(2 contracts, 2 carriers) | INNOVATION HEALTH | 314 | $1.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 368 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.