| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSET PROTECTION INC3 | 14021 CHARTER PARK DRIVE MIDLOTHIAN, VA 23114 | AETNA HEALTH INC | — | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC INC | 1445 RESEARCH BLVD STE 210 ROCKVILLE, MD 20850 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 9.07% |
| MISCELLANEOUS AGENTS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.89% |
| REBECCA F SMITH3 Filed as: REBECCA SMITH | 5040 SADLER PL STE 110 GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $972 | — | $972 | 2.79% |
| ELIZABETH ANNE BUCHANAN3 Filed as: ELIZABETH BUCHANAN | 3401 HUNTON RIDGE DR GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $384 | — | $384 | 1.10% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4805 LAKEBROOK DR, STE 220 GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | — | $147 | 0.42% |
| CHARLITA J MILLARD3 | 3312 GREENHAM DR CHESTER, VA 23831 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 0.39% |
| ROBERT P KELLAND JR3 Filed as: ROBERT P KELLAND | 10600 WHITE RABBIT RD RICHMOND, VA 23235 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSET PROTECTION INC BROKER | Insurance agents and brokers; Insurance services; Claims processing Service code 12 | 14021 CHARTER PARK DRIVE MIDLOTHIAN, VA 35585 | $31K |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 39 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.