| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE EXCHANGE INC3 Filed as: INSURANCE EXCHANGE INC | 9713 KEY WEST AVE, STE 401 ROCKVILLE, MD 20850 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 1.32% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 4927 ORLANDO, FL 32802 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 0.22% |
| THE INSURANCE EXCHANGE INC3 Filed as: INSURANCE EXCHANGE INC | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 208503918 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $752 | $4K | 5.46% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 4927 ORLANDO, FL 328024927 | UNITEDHEALTHCARE INSURANCE COMPANY | $501 | — | $501 | 0.75% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE, INC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | ADVANTICA REINSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 160 | $692K |
| Vision | ADVANTICA REINSURANCE COMPANY | 184 | $17K |
| Life insurance | AETNA LIFE INSURANCE CO. | 146 | $624K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 146 | $624K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 146 | $624K |
| Other | AETNA LIFE INSURANCE CO. | 146 | $624K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.