| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WANADA BUSINESS SERVICES CORP.3 | 5301 WISCONSIN AVENUE NW WASHINGTON, DC 20015 | AETNA LIFE INSURANCE COMPANY | $9K | $34K | $43K | 2.32% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS, MD 21152 | AETNA LIFE INSURANCE COMPANY | $38K | $2K | $40K | 2.19% |
| DAN OSTER3 | 11812 SAWGRASS LANE FREDRICKSBURG, VA 22407 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $29K | $0 | $29K | 12.84% |
| WANADA BUSINESS SERVICES CORP.3 | 5301 WISCONSIN AVENUE NW WASHINGTON, DC 20015 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.29% |
| WANADA BUSINESS SERVICES CORP.3 | 5301 WISCONSIN AVENUE NW, SUITE 210 WASHINGTON, DC 20015 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 6100 FAIRVIEW ROAD CHARLOTTE, NC 28210 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $261 | $0 | $261 | 0.11% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDRICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $248 | $0 | $248 | 6.31% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | $0 | $47 | 1.20% |
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) | AETNA LIFE INSURANCE COMPANY | 410 | $1.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 410 | $1.8M |
| Vision | AETNA LIFE INSURANCE COMPANY | 410 | $1.8M |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 176 | $230K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 176 | $230K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 176 | $230K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 410 | $1.8M |
| Other(3 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 465 | $241K |
| 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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.