| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 201757049 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $86K | $87K | 5.30% |
| DEBORAH C BEAGHLER3 Filed as: DEBORAH BEAGHLER | 17923 BRAEMAR PLACE LEESBURG, VA 20175 | DELTA DENTAL OF VIRGINIA | $15K | — | $15K | 9.89% |
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $999 | — | $999 | 10.00% |
| VARIOUS - SEE ATTACHMENT3 Filed as: VARIOUS-SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | $43 | $1K | 14.96% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 260 | $1.6M |
| Dental | DELTA DENTAL OF VIRGINIA | 265 | $149K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 260 | $1.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $69K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $55K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 260 | $1.6M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.