| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $70K | $70K | 5.04% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $28K | $28K | 2.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 0.18% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 1800 W. GRACE ST. P.O. BOX 5407 RICHMOND, VA 23220 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52K | $2K | $53K | 17.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 200 SUMMIT LAKE DR., STE. 350 VALHALLA, NY 10595 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.67% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.40% |
| DANNY R. OSTER3 Filed as: DANNY ROSS OSTER | 11812 SAWGRASS LN. FREDERICKSBURG, VA 22407 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $395 | — | $395 | 0.13% |
| FFG WDC LLC3 | 7101 WISCONSIN AVE., STE. 1200 BETHESDA, MD 20814 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$1 | — | -$1 | -0.00% |
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 | 279 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 272 | $1.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $305K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $305K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $305K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $305K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $305K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 301 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.