| 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. | $27K | $0 | $27K | 2.00% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 13.57% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.81% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS, MD 21152 | AETNA LIFE INSURANCE COMAPNY | $2K | $0 | $2K | 1.96% |
| WANADA BUSINESS SERVICES CORP.3 Filed as: WANADA BUSINESS SERVICES | 5301 WISCONSIN AVENUE NW, SUITE 210 WASHINGTON, DC 20015 | AETNA LIFE INSURANCE COMAPNY | $0 | $2K | $2K | 1.96% |
| WANADA BUSINESS SERVICES CORP.3 Filed as: WANADA BUSINESS SERVICES | 5301 WISCONSIN AVENUE NW, SUITE 210 WASHINGTON, DC 20015 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.81% |
| DWIGHT ELLIS3 | 3816 INDIGO RUN DRIVE HENRICO, VA 23233 | INOVA EMPLOYEE ASSISTANCE | $883 | $0 | $883 | 10.00% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $373 | $0 | $373 | 6.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203491 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | $0 | $73 | 1.23% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 311 | $1.4M |
| Vision | VISION SERVICE PLAN | 156 | $22K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 154 | $158K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 154 | $158K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 154 | $158K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 311 | $1.4M |
| Other(3 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 584 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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."
No prospect flags tripped on this filing.