| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSET PROTECTION INC3 | 14021 CHARTER PARK DRIVE MIDLOTHIAN, VA 23114 | AETNA HEALTH INC | $32K | — | $32K | 1.37% |
| ASSET PROTECTION INC3 | 14021 CHARTER PARK DR MIDLOTHIAN, VA 23114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 10.83% |
| MISCELLANEOUS AGENTS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.56% |
| LEONARD C SARGEANT3 | 11620 REXMOOR DR RICHMOND, VA 23236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.32% |
| SCOTT DAVIS3 | 2608 ADAMO CT HENRICO, VA 23233 | CONTINENTAL AMERICAN INSURANCE COMPANY | $727 | — | $727 | 1.76% |
| REBECCA F SMITH3 Filed as: REBECCA SMITH | 5040 SADLER PL STE 110 GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $329 | — | $329 | 0.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSET PROTECTION INC | Insurance services; Insurance agents and brokers; Claims processing Service code 12 | 14021 CHARTER PARK DRIVE MIDLOTHIAN, VA 35585 | $36K |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 163 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.