| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL RD. STE. 150 MCLEAN, VA 22102 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $97K | — | $97K | 5.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 15800 CRABBS BRANCH WAY STE. 350 ROCKVILLE, MD 20855 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $723 | $7K | 4.20% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN, LLC | 704 QUINCE ORCHARD RD. STE.200 GAITHERSBURG, MD 20878 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $13 | $2K | 1.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY. STE. 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 15800 CRABBS BRANCH WAY STE.350 ROCKVILLE, MD 20855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $503 | $6K | 16.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 15800 CRABS BRANCH WAY STE.350 ROCKVILLE, MD 20855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $372 | $5K | 16.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 15800 CRABBS BRANCH WAY STE. 350 ROCKVILLE, MD 20855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $127 | $2K | 16.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 15800 CRABBS BRANCH WAY STE. 350 ROCKVILLE, MD 20855 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $585 | $51 | $636 | 16.32% |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 571 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $155K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 571 | $1.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $30K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $4K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $36K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.