| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 20175 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $111K | $113K | 5.30% |
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 20175 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $12K | $12K | 0.54% |
| DEBORAH C BEAGHLER3 Filed as: DEBORAH BEAGHLER | 17923 BRAEMAR PLACE LEESBURG, VA 20175 | DELTA DENTAL OF VIRGINIA | $20K | — | $20K | 9.81% |
| 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 | $4K | — | $4K | 10.00% |
| VARIOUS - SEE ATTACHMENT3 Filed as: VARIOUS-SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $853 | — | $853 | 10.91% |
| DEBORAH C BEAGHLER3 | 17923 BRAEMAR PL LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $700 | — | $700 | 10.00% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 234 | $2.1M |
| Dental | DELTA DENTAL OF VIRGINIA | 402 | $201K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 234 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $51K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $51K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $43K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 234 | $2.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 187 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.