| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W. PHILLIPS & CO | 80 M STREET SE, SUITE 350 WASHINGTON, DC 20003 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $0 | $31K | 8.28% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $13K | $13K | 3.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.84% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W. PHILLIPS & CO | 80 M STREET SE, SUITE 350 WASHINGTON, DC 20003 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $992 | $9K | 11.73% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS, MD 21152 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. SERVICES | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $700 | — | $700 | 0.94% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W. PHILLIPS & CO | 80 M STREET SE, SUITE 350 WASHINGTON, DC 20003 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $381 | $0 | $381 | 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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 122 | $381K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 169 | $75K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 169 | $75K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 169 | $75K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 169 | $75K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 122 | $378K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 169 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.