| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM HEALTH PLANS OF VIRGINIA | $19K | $0 | $19K | 1.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $107 | $36K | 9.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.23% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP, INC. | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAZ, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 21.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $656 | $0 | $656 | 4.47% |
| GAVIN TOMA3 | 220 SOUTH KING STREET, SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $208 | $0 | $208 | 2.80% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA | 137 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $357K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $357K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $357K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $357K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $357K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA | 137 | $992K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,038 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,038 | — |
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.