| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFIT GROUP, INC | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $42K | $6K | $48K | 14.99% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: THE BUSINESS BENEFITS GROUP, INC | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 3.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 0.91% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: THE BUSINESS BENEFITS GROUP INC | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC-MIDATLANTIC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.77% |
| THE BUSINIESS BENEFITS GROUP INC3 | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC-MIDATLANTIC RI | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $996 | — | $996 | 1.92% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: THE BUSINESS BENEFITS GROUP INC | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC-MIDATLANTI | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $920 | — | $920 | 1.91% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: THE BUSINESS BENEFITS GROUP INC | 4069 CHAIN BRIDE ROAD TOP FLOOR FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC-MIDATLANTIC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $675 | — | $675 | 1.95% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: THE BUSINESS BENEFITS GROUP | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | VISION SERVICE PLAN | $952 | — | $952 | 3.85% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DRIVE SUITE 400 FALLS CHURCH, VA 22042 | VISION SERVICE PLAN | $285 | — | $285 | 1.15% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 108.35% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 303 | $323K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 202 | $138K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 165 | $28K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $52K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $56K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $69K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 303 | $323K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.