| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEBEN INC3 | 3 BETHESDA METRO CTR STE 700 BETHESDA, MD 208146300 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 1.21% |
| ADAM H MILLER3 Filed as: ADAM HOWARD MILLER | P.O. BOX 3918 SARASOTA, FL 342303918 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 1.21% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $10K | $28K | 16.77% |
| MILLER, ADAM3 | P.O. BOX 3918 SARASOTA, FL 342303918 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.83% |
| ADAM H MILLER3 | 23 ROLLING ACRES WAY REISTERSTOWN, MD 211365648 | DELTA DENTAL OF PENNSYLVANIA | $7K | $0 | $7K | 5.00% |
| STRATEBEN INC3 Filed as: STRATEBEN | 3 BETHESDA METRO CENTER SUITE 700 BETHESDA, MD 208146300 | DELTA DENTAL OF PENNSYLVANIA | $7K | $0 | $7K | 5.00% |
| STRATEBEN INC3 Filed as: STRATEBEN | 3 BETHESDA METRO CENTER FL 17 BETHESDA, MD 20814 | GUARDIAN INSURANCE COMPANY | $473 | $0 | $473 | 2.50% |
| ADAM H MILLER3 | 23 ROLLING ACRES WAY REISTERTOWN, MD 21136 | GUARDIAN INSURANCE COMPANY | $473 | $0 | $473 | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 15800 CRABBS BRCH WAY SUITE 350 ROCKVILLE, MD 20855 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $249 | $0 | $249 | 18.11% |
| MILLER FINANCIAL GROUP LLC3 Filed as: MILLER, ADAM, HOWARD | MILLER FINANCIAL GROUP LLC 23 ROLLING ACRES WAY REISTERSTOWN, MD 21136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63 | $0 | $63 | 4.58% |
| SIMMONS, JOHN, HARDING3 | 3 BETHESDA METRO CENTER SUITE 700 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63 | $0 | $63 | 4.58% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN INC | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47 | $0 | $47 | 3.42% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47 | $0 | $47 | 3.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $25 | $25 | 1.82% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 266 | $1.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 411 | $133K |
| Vision | GUARDIAN INSURANCE COMPANY | 152 | $19K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $167K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $167K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $167K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.