| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $1K | $10K | 10.78% |
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $874 | $9K | 10.82% |
| JAY E. BLACK3 Filed as: JAY BLACK | 1400 MIDHURST COURT BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $327 | $0 | $327 | 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 | $246 | $0 | $246 | 0.29% |
| ANN MARIE BENT3 | 7551 ORCHID HAMMOCK DRIVE WEST PALM BEACH, FL 33412 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $244 | $0 | $244 | 0.28% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD PHILLIPS & COMPANY | 80 M STREET SE, SUITE 350 WASHINGTON, DC 20003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | $0 | $5 | 0.01% |
| CARMEN AIDA CRUZ3 Filed as: CARMEN CRUZ | 2707 SARDIS CHASE COURT BUFORD, GA 30519 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.00% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD PHILLIPS & COMPANY | 80 M STREET SE, SUITE 350 WASHINGTON, DC 20003 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $519 | $0 | $519 | 1.90% |
| JAY E. BLACK3 Filed as: JAY BLACK | 1400 MIDHURST COURT BEL AIR, MD 21014 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $389 | $0 | $389 | 1.42% |
| SONIA A VIDAL-AWBREY3 Filed as: SONIA VIDAL-AWBREY | 2665 PROSPERITY AVENUE APARTMENT 113 FAIRFAX, VA 22031 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $370 | $0 | $370 | 1.35% |
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $343 | $0 | $343 | 1.26% |
| CARMEN AIDA CRUZ3 Filed as: CARMEN CRUZ | 2707 SARDIS CHASE COURT BUFORD, GA 30519 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $236 | $0 | $236 | 0.86% |
| ANN MARIE BENT3 | 7551 ORCHID HAMMOCK DRIVE WEST PALM BEACH, FL 33412 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $154 | $0 | $154 | 0.56% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $94K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $94K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $113K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 80 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $86K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.