| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP, INC. | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | $4K | $45K | 3.30% |
| WANADA BUSINESS SERVICES CORP.3 | 5301 WISCONSIN AVENUE NW, SUITE 210 WASHINGTON, DC 20015 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $26K | $41K | 3.01% |
| DAN OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $26K | $0 | $26K | 13.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.52% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $259 | $0 | $259 | 6.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | $0 | $50 | 1.19% |
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 | 465 | 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) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $1.4M |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 149 | $201K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 149 | $201K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 149 | $201K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 335 | $1.4M |
| Other(3 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 465 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.