| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $108K | $108K | 3.50% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL INC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$207 | -$207 | -0.01% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $5K | $35K | 14.00% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $999 | $8K | 3.40% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.00% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720A ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 8.50% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL INC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 4.34% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL INC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $981 | — | $981 | 3.24% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $567 | $4K | 14.00% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | THE UNUM LIFE INSURANCE COMPANY OF AMERICA | $850 | $113 | $963 | 3.40% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | THE UNUM LIFE INSURANCE COMPANY OF AMERICA | $850 | — | $850 | 3.00% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $813 | — | $813 | 3.56% |
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 | 394 | 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) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 319 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 48 | $23K |
| Vision | THE FIDELITY SECURITY LIFE INSURANCE COMPANY | 579 | $30K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $250K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $250K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $250K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 394 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.
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.