| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE DR SUITE 301 MOORSEVILLE, NC 28117 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $45K | — | $45K | 4.04% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE SUITE 301 MOORSEVILLE, NC 28117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $7K | $44K | 11.80% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 10.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 5.00% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE SUITE 301 MOORSEVILLE, NC 28117 | FIRST UNUM LIFE INSURANCE COMPANY | $22K | $3K | $25K | 11.51% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | FIRST UNUM LIFE INSURANCE COMPANY | $22K | — | $22K | 10.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 119 ROYAL HORSE WAY REINHOLDS, PA 17569 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE DR SUITE 301 MOORSEVILLE, NC 28117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 10.88% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 10.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 106 LANGTREE VILLAGE REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 11568 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $12K | — | $12K | 14.98% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | — | $5K | 7.01% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE DR SUITE 301 MOORSEVILLE, NC 28117 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 2.97% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $7K | — | $7K | 10.50% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE SUITE 301 MOORSEVILLE, NC 28117 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 4.50% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE SUITE 301 MOORSEVILLE, NC 28117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 232 | $1.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,143 | $370K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,143 | $428K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,143 | $370K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 232 | $1.1M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,143 | $927K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,143 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.