| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUCKERT, HUGO, CHRISTOPHER3 | 4500 BLACK ROCK RD STE 310 HAMPSTEAD, MD 21074 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $496 | — | $496 | 2.30% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 50306 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $209 | — | $209 | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INS, A MARSH & MCLE | PO BOX 5113 SIOUX FALLS, SD 57117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | 20 WIGHT AVE STE 160 COCKEYSVILLE, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$20 | — | -$20 | -0.09% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | 20 WIGHT AVE STE 160 COCKEYSVILLE, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $112 | — | $112 | 2.79% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY & ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 50306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32 | — | $32 | 0.80% |
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 | 305 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 305 | $67K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 305 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 305 | $24K |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 305 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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."
No prospect flags tripped on this filing.