| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS, MD 21152 | AETNA HEALTH, INC. | $23K | $0 | $23K | 1.92% |
| DON OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $22K | $0 | $22K | 13.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.85% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS, MD 21152 | AETNA LIFE INSURANCE COMAPNY | $639 | $0 | $639 | 1.86% |
| WANADA BUSINESS SERVICES CORP.3 Filed as: WANADA BUSINESS SERVICES | 5301 WISCONSIN AVENUE NORTHWEST SUITE 210 WASHINGTON D.C., DC 20015 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.25% |
| WANADA BUSINESS SERVICES CORP.3 Filed as: WANADA BUSINESS SERVICES | 5301 WISCONSIN AVENUE NORTHWEST SUITE 201 WASHINGTON DC, DC 20015 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.25% |
| DWIGHT ELLIS3 | 3816 INDIGO RUN DRIVE HENRICO, VA 23233 | INOVA EMPLOYEE ASSISTANCE | $823 | $0 | $823 | 10.01% |
| MADS INSURANCE AGENCY3 Filed as: MADS INS. AGCY INC. | 7 STATE CR, SUITE 301 ANNAPOILIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $63 | $0 | $63 | 5.00% |
| DANNY R. OSTER3 Filed as: DANNY R OSTER | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE | $894 | $0 | $894 | 130.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 203491 DALLAS, TX 75320 | AMERICAN HERITAGE | $337 | $0 | $337 | 49.13% |
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 | 496 | 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) | 496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 311 | $1.2M |
| Vision(2 contracts) | VISION SERVICE PLAN | 133 | $42K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 157 | $159K |
| Short-term disability(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 157 | $160K |
| Long-term disability(3 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 157 | $160K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 311 | $1.2M |
| Other(3 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 544 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.