| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $937 | $8K | 11.85% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD PHILLIPS & COMPANY | 80 M STREET SE, SUITE 350 WASHINGTON, DC 20003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $474 | $0 | $474 | 0.69% |
| JAY E. BLACK3 | 1400 MIDHURST COURT BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $260 | $0 | $260 | 0.38% |
| SONIA A VIDAL-AWBREY3 Filed as: SONIA VIDAL-AWBREY | 2665 PROSPERITY AVENUE APARTMENT 113 FAIRFAX, VA 22031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $251 | $0 | $251 | 0.37% |
| CARMEN AIDA CRUZ3 | 2707 SARDIS CHASE COURT BUFORD, GA 30519 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $177 | $0 | $177 | 0.26% |
| ANNE MARIE BENT3 | 4812 WALTONSHIRE CIRCLE OLNEY, MD 20832 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92 | $0 | $92 | 0.13% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD PHILLIPS & COMPANY | 80 M STREET SE, SUITE 350 WASHINGTON, DC 20003 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.62% |
| JAY E. BLACK3 | 1400 MIDHURST COURT BEL AIR, MD 21014 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.99% |
| SONIA A VIDAL-AWBREY3 Filed as: SONIA VIDAL-AWBREY | 2665 PROSPERITY AVENUE APARTMENT 113 FAIRFAX, VA 22031 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.95% |
| CARMEN AIDA CRUZ3 | 2707 SARDIS CHASE COURT BUFORD, GA 30519 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $798 | $0 | $798 | 3.01% |
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $767 | $0 | $767 | 2.89% |
| ANNE MARIE BENT3 | 4812 WALTONSHIRE CIRCLE OLNEY, MD 20832 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $345 | $0 | $345 | 1.30% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $95K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 96 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $69K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.