| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | UNITEDHEALTHCARE INSURANCE COMPANY | $103K | $0 | $103K | 2.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4069 CHAIN BRIDGE ROAD FAIRFAX, VA 22030 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $31K | $64K | 1.55% |
| PATRIOT GROWTH INSURANCE SERVICES3 | BUSINESS BENEFITS GROUP FAIRFAX, VA 22030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27K | $2K | $29K | 8.60% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | $2K | $25K | 7.43% |
| GREG W WOOLLEY3 Filed as: GREG W. WOOLLEY | 15492 CLIFFVIEW DRIVE MONTCLAIR, VA 22025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 2.78% |
| MULLANEY ENTERPRISES LLC3 Filed as: MULLANEY ENTERPRISES, LLC | 5501 TWIN KNOLLS ROAD, SUITE 106 COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 2.00% |
| MARKS BENEFIT MANAGEMENT LLC3 Filed as: MARKS BENEFIT MANAGEMENT, LLC | 3847 EAST SPYGLASS HILL DRIVE FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 1.49% |
| INSPIRED INC3 Filed as: INSPIRED, INC. | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $688 | $3K | 0.91% |
| DURWOOD BOOTH JR3 Filed as: DURWOOD BOOTH, JR AND OTHER AGENTS | 2900 WILLIAMSBURG TERRACE APARTMENT M204 PLATTE CITY, MO 64079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.43% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $6K | $23K | 7.11% |
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 | 797 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 955 | $4.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 955 | $4.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 955 | $4.1M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 799 | $665K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 320 | $342K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 799 | $323K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 955 | $4.1M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 799 | $665K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 955 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.