| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL SOLUTIONS GROUP3 Filed as: FINANCIAL SOLUTIONS GROUP LLC | 12040 S LAKES DR. RESTON, VA 20191 | AETNA LIFE INSURANCE CO | — | — | $0 | 0.00% |
| FINANCIAL SOLUTIONS GROUP3 Filed as: FINANCIAL SOLUTIONS GROUP LLC | 12040 S LAKES DR. RESTON, VA 20191 | AETNA LIFE INSURANCE CO | — | — | $0 | 0.00% |
| JYOTI GUJRAL3 | 12121 THOROUGHBRED RD HERNDON, VA 20171 | GUARDIAN | $15K | — | $15K | 5.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FINANCIAL SOLUTIONS GROUP LLC BROKER | Insurance brokerage commissions and fees Service code 53 | 12040 SOUTH LAKES DR SUITE 103 RESTON, VA 20191 | $51K |
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 | 299 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE CO | 194 | $1.8M |
| Dental | GUARDIAN | 210 | $256K |
| Vision | GUARDIAN | 210 | $256K |
| Life insurance | GUARDIAN | 210 | $256K |
| Short-term disability | GUARDIAN | 210 | $256K |
| Long-term disability | GUARDIAN | 210 | $256K |
| Other | GUARDIAN | 210 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.