| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STANLEY W SCHULMAN3 Filed as: STANLEY SCHULMAN | 3400 NANCY ELLEN WAY OWINGS MILLS, MD 21117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 4.91% |
| STANLEY W SCHULMAN3 Filed as: STANLEY SCHULMAN | 3400 NANCY ELLEN WAY OWINGS MILLS, MD 211171514 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 13.72% |
| GROUP BENEFIT SERVICES INC5 | 6 N PARK DR, STE 310 HUNT VALLEY, MD 210301821 | METROPOLITAN LIFE INSURANCE COMPANY | $73 | $807 | $880 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STANLEY SCHULMAN BROKER OF RECORD | Other commissions Service code 55 | 3400 NANCY ELLEN WAY OWINGS MILLS, MD 21117 | $32K |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 108 | $52K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 108 | $52K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 128 | $18K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 128 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.