| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH ANTHONY APA3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $42K | $42K | 4.17% |
| CAPITOL BENEFITS, LLC3 Filed as: THE CAPITOL GROUP LLC | 6720A ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $4K | $10K | 8.12% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP INC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 11.81% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICES INC | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $931 | $931 | 2.00% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 11.79% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICES INC | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $764 | $764 | 2.00% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE ROAD SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.84% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICES INC | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $588 | $588 | 2.00% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.80% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICES INC | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $360 | $360 | 2.00% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | VISION SERVICE PLAN | $1K | — | $1K | 5.88% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $782 | — | $782 | 4.58% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE ROAD SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $314 | — | $314 | 11.87% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICES INC | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $53 | $53 | 2.00% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 169 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 409 | $126K |
| Vision | VISION SERVICE PLAN | 147 | $17K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $47K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $38K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.