| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS CORPORATION | 1430 SPRING HILL ROAD MCLEAN, VA 22102 | HEALTHKEEPERS, INC. | $21K | $4K | $25K | 4.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF VIRGINIA | — | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 5.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA INC | 8570 MAGELLAN PARKWAY SUITE 1100 RICHMOND, VA 23227 | DEARBORN LIFE INSURANCE COMPANY | $832 | — | $832 | 14.26% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 46 | $593K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 105 | $44K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 46 | $6K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 46 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.