| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE BALIMORE, MD 21286 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.35% |
| RCM AND D3 | 555 FAIRMOUNT AVENUE BALIMORE, MD 21286 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.02% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | PO BOX 3065 FAIRFAX, VA 22038 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $769 | $769 | 8.12% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE BALIMORE, MD 21286 | VISION SERVICE PLAN | $303 | $0 | $303 | 5.01% |
| WELLS FARGO INSURANCE SERVICES3 | 115 NORTH SAINT ASAPH STREET ALEXANDRIA, VA 22314 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405 | $19 | $424 | 15.70% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 205 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $229K |
| Vision | VISION SERVICE PLAN | 44 | $6K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $238K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $229K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $229K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 205 | $1.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.