| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C.T. HELLMUTH & ASSOCIATES, INC. | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66K | $69K | $135K | 3.60% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41K | $91K | $132K | 9.94% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK W HOWARTH | 6077 BRISTOL PKWY CULVER CITY, CA 90230 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 0.20% |
| JS BENEFITS INC3 Filed as: JS BENEFITS INC. | 3800 COLONNADE PKWY BIRMINGHAM, AL 35243 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $173 | $138 | $311 | 0.02% |
| DANIEL T JOHNSON3 | 3800 COLONNADE PKWY BIRMINGHAM, AL 35243 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.00% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C.T. HELLMUTH & ASSOCIATES, INC. | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 10.36% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C.T. HELLMUTH & ASSOCIATES, INC. | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $1K | $10K | 11.63% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER | 2405 GRAND BLVD, SUITE 900 KANSAS CITY, MO 64108 | ACE AMERICAN INSURANCE COMPANY | $7K | — | $7K | 29.18% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | METROPOLITAN LIFE INSURANCE COMPANY | $863 | $1K | $2K | 25.51% |
| J M LOGAN ADVISORY INC.3 | 800 3RD STREET, SUITE 300 HERNDON, VA 20170 | METROPOLITAN LIFE INSURANCE COMPANY | $3 | $211 | $214 | 2.67% |
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 | 1,772 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 112 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,884 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10 | $96K |
| Dental(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,098 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,042 | $223K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,696 | $3.8M |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,696 | $5.1M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,884 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,098 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.