| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 7500 OLD GEORGETOWN ROAD SUITE 1225 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 11.06% |
| SELMAN & COMPANY, LLC Filed as: SELMAN & COMPANY | ONE INTEGRITY PARKWAY RICHMOND HEIGHTS, OH 44143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 4.53% |
| LOCKTON COMPANIES, LLC3 | FLORI C/O BANK OF AMERICA PO BOX 741738 ATLANDA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $319 | $2K | 1.88% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANDA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $622 | $83 | $705 | 0.69% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BOULEVARD SUITE 300 MT. PLEASANT, SC 29464 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $511 | $511 | 0.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS. BROKERAGE, INC. | 7500 OLD GEORGETOWN ROAD SUITE 1225 BETHESDA, MD 20814 | DELTA DENTAL OF VIRGINIA | $6K | $0 | $6K | 6.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC FLORIDA | 1200 SW 145TH AVENUE, SUITE 140A PEMBROKE PINES, FL 33027 | DELTA DENTAL OF VIRGINIA | $1K | $0 | $1K | 1.23% |
| ELAINE MCCLELLAND3 | 4312 GRANADA STREET ALEXANDRIA, VA 22309 | AFLAC | $845 | $47 | $892 | 4.59% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1 NORTH PARK DRIVE, SUITE 204 HUNT VALLEY, MD 21030 | AFLAC | $570 | $0 | $570 | 2.93% |
| ROBERT VINCENT BROKERAGE, INC.3 | 11350 MOOORE DRIVE MANASSAS, VA 20111 | AFLAC | $527 | $0 | $527 | 2.71% |
| DOUGLAS J. WYCHE3 | 813 NORTH ARGONNE AVENUE STERLING, VA 20164 | AFLAC | $505 | $0 | $505 | 2.60% |
| EPSIX, INC.3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $422 | $0 | $422 | 2.17% |
| DIVYA JAIN3 | 50 APPLIED BANK BOULEVARD GLEN MILLS, PA 19342 | AFLAC | $372 | $11 | $383 | 1.97% |
| JOHN CHARLES KAUTTER II3 | 50 APPLIED BANK BOULEVARD SUITE 106 GLEN MILLS, PA 19342 | AFLAC | $240 | $11 | $251 | 1.29% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 235 | $98K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $102K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $102K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $102K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.