| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP, STE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $3K | $17K | 11.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGY OF VA INC | 11220 ASSETT LOOP STE 304 MANASSA, VA 20109 | TRANSAMERICA | $9K | $0 | $9K | 22.12% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | TRANSAMERICA | $226 | $0 | $226 | 0.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP MANASSAS, VA 20109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $117 | $2K | 15.75% |
| ORTWEIN, MATTHEW, MICHAEL3 | 9410 FURROW AVE ELLICOTT CITY, MD 21042 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $0 | $88 | 1.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP STE 104 MANASSAS, VA 20109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 1.02% |
| BROCKMAN, WILLIAM, HENRY3 Filed as: BROCKMAN, WILLIAM HENRY | 6308 QUEENS CHAPEL RD UNIVERSITY PARK, MD 20782 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.78% |
| DOTEN, JOHN, D3 | NEW ENGLAND FIN 036-NB 6430 ROCKLEDGE SR STE 300 BETHESDA, MD 20814 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.78% |
| AP BENEFIT ADVISORS, LLC3 | 15200 OMEGA DR STE 100 ROCKVILLE, MD 20850 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP MANASSAS, VA 20109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $151 | $0 | $151 | 2.64% |
| ORTWEIN, MATTHEW, MICHAEL3 | 15200 OMEGA DR STE 100 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18 | $0 | $18 | 0.31% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | 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 |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 220 | $140K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 220 | $140K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 220 | $140K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 220 | $140K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 220 | $140K |
| Other(4 contracts, 3 carriers) | TRANSAMERICA | 114 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.