| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGENCY, INC. | 7 STATE CREEK, SUITE 301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.65% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO. | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $564 | — | $564 | 1.42% |
| DANNY R. OSTER3 Filed as: DANNY ROSTER | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 45.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203491 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 22.57% |
| VA AUTOMOBILE DLRS SVCS3 Filed as: VA AUTOMOBILE DEALERS SERVICES, INC | UNKNOWN RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $253 | — | $253 | 5.34% |
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGNECY, INC. | 7 STATE COUNTRY ROAD,SUITE 301 ANNAPLOIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $112 | — | $112 | 2.36% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | -$548 | — | -$548 | -11.57% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 132 | $10K |
| Vision | VISION SERVICE PLAN | 132 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 132 | $0 |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 132 | $40K |
| Long-term disability(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 132 | $44K |
| Prescription drug | AETNA HEALTH INC. | 132 | $0 |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 132 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.