| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WANADA BUSINESS SERVICES CORP.3 | 5301 WISCONSIN AVENUE NW SUITE 210 WASHINGTON, DC 20015 | AETNA HEALTH INC. | $0 | $26K | $26K | 1.88% |
| DAN OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $28K | $0 | $28K | 13.08% |
| WANADA BUSINESS SERVICES CORP.3 | 5301 WISCONSIN AVENUE NW WASHINGTON, DC 20015 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $452 | $0 | $452 | 0.21% |
| WANADA BUSINESS SERVICES CORP.3 | 5301 WISCONSIN AVENUE NW WASHINGTON, DC 20015 | AETNA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 9.13% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | $0 | $239 | 6.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | $0 | $45 | 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)(2 contracts, 2 carriers) | AETNA HEALTH INC. | 356 | $1.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 356 | $136K |
| Vision | AETNA LIFE INSURANCE COMPANY | 356 | $136K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 152 | $218K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 152 | $218K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 152 | $218K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH INC. | 356 | $1.5M |
| Other(3 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 465 | $228K |
| 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."
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.