| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYPRESS BENEFITS GROUP, INC.3 Filed as: CYPRESS BENEFITS GROUP INC | 14800 YORK RD UNIT 530 SPARKS, MD 211527506 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 9.52% |
| CYPRESS BENEFITS GROUP, INC.3 Filed as: CYPRESS BENEFITS GROUP INC | 100 SPARKS VALLEY RD STE A SPARKS, MD 211529234 | ONE AMERICA | $12K | $9K | $20K | 23.07% |
| CYPRESS BENEFITS GROUP, INC.3 Filed as: CYPRESS BENEFITS GROUP | 14800 YORK RD SPARKS, MD 21152 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $743 | — | $743 | 3.53% |
| TRACEY HAMILTON3 | 2098 ST JAMES RD MARRIOTTSVILLE, MD 21104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $359 | — | $359 | 1.70% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS ROAD COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | — | $265 | 1.26% |
| LISA JENNETTE UNDERHILL3 | 1296 RED OAK DR BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $208 | — | $208 | 0.99% |
| SUSAN FONTANA FLYNN3 | 8814 EAGLE POINT DRIVE KNOXVILLE, TN 37931 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.18% |
| SHEILA A SHELL3 | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.09% |
| VICTORIA L FLYNN3 | 7009 FAIRVIEW RD CORRYTON, TN 37721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.08% |
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 | 73 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 346 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 21 | $21K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 239 | $127K |
| Life insurance(2 contracts, 2 carriers) | ONE AMERICA | 72 | $109K |
| Short-term disability | ONE AMERICA | 72 | $88K |
| Long-term disability | ONE AMERICA | 72 | $88K |
| Other(2 contracts, 2 carriers) | ONE AMERICA | 72 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.