| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | $3K | $61K | 10.43% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE SUITE 301 MOORSEVILLE, NC 28117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 10.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $24K | $24K | 4.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 0.89% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.36% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | FIRST UNUM LIFE INSURANCE COMPANY | $35K | $1K | $37K | 10.43% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE SUITE 301 MOORSEVILLE, NC 28117 | FIRST UNUM LIFE INSURANCE COMPANY | $35K | — | $35K | 10.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 119 ROYAL HORSE WAY REINHOLDS, PA 17569 | FIRST UNUM LIFE INSURANCE COMPANY | — | $14K | $14K | 4.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 0.89% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 0.36% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $1K | $27K | 10.45% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE DR SUITE 301 MOORSEVILLE, NC 28117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 10.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 106 LANGTREE VILLAGE REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 4.18% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.82% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $834 | $834 | 0.33% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $15K | $909 | $16K | 12.98% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 11568 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $10K | — | $10K | 8.00% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE DRIVE SUITE 301 MOORSEVILLE, NC 28117 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $9K | — | $9K | 7.82% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $12K | $539 | $12K | 10.77% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE SUITE 301 MOORESVILLE, NC 28117 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $11K | — | $11K | 9.70% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $383 | $11K | 10.38% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE SUITE 301 MOORSEVILLE, NC 28117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 10.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 5.00% |
| E POWERED BENEFITS LLC3 | 106 LANGTREE VILLAGE SUITE 301 MOORSEVILLE, NC 28117 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.81% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.81% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $269 | — | $269 | 0.56% |
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 | 2,907 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,912 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 65 | $48K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 65 | $48K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,774 | $589K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,774 | $691K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,774 | $589K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,774 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,774 | — |
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.