| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAISON GROUP BENEFITS INC3 Filed as: FAISON GROUP BENEFITS INC. | P.O. BOX 6009 ASHLAND, VA 23005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 7.97% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.53% |
| DAILYFEATS INC.3 | 101 TREMONT STREET 11TH FLOOR BOSTON, MA 02108 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.93% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $790 | $790 | 0.45% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $6K | — | $6K | 5.02% |
| FAISON GROUP BENEFITS INC3 | 6424 NW 5TH WAY FORT LAUDERDALE, FL 33309 | HARTFORD LIFE AND ACCIDENT | $6K | $2K | $8K | 7.46% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC. | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | HARTFORD LIFE AND ACCIDENT | $2K | $3K | $5K | 4.24% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 2.89% |
| FAISON GROUP BENEFITS INC3 | P.O. BOX 6009 ASHLAND, VA 23005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 30.58% |
| FAISON GROUP BENEFITS INC3 | 6424 NW 5TH WAY FORT LAUDERDALE, FL 333096112 | HUMANA INSURANCE COMPANY | $2K | $512 | $2K | 10.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 ADMINISTRATOR | Other fees; Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $222K |
| HEALTHKEEPERS, INC. EIN 54-1356687 ADMINISTRATOR | Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $201K |
| USI INS SERVICES LLC BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 201 ALHAMBRA CIRCLE STE 801 CORAL GABLES, FL 33134 | $0 |
| INGENIORX, INC. NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Claims processing; Contract Administrator Service code 12 | 450 HEADQUARTERS PLAZA 7TH FLOOR EAST TOWER MORRISTOWN, NJ 07960 | -$41K |
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 | 387 | 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) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 507 | $122K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 450 | $429K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,307 | $111K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 872 | $176K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 872 | $176K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 450 | $409K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,307 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,307 | — |
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."
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.