| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILVERMAN, MEGAN R3 Filed as: SILVERMAN, MEGAN, RAE | 1423 MARTIN MEADOWS DR FALLSTON, MD 210472203 | AMERITAS LIFE INSURANCE CORP | $6K | $0 | $6K | 14.00% |
| HEALTH PLAN ONE LLC3 | 35 NUTMEG DR STE 220 TRUMBULL, CT 066115496 | AMERITAS LIFE INSURANCE CORP | $1K | $0 | $1K | 3.16% |
| KRESZL, DOUGLAS, ALAN3 | 4 WICKLOW CT WAYNE, PA 190873945 | AMERITAS LIFE INSURANCE CORP | $439 | $0 | $439 | 1.05% |
| DOHERTY FRANK P3 Filed as: DOHERTY, FRANK, P | 99 WOOD AVE S ISELIN, NJ 088302734 | AMERITAS LIFE INSURANCE CORP | $395 | $0 | $395 | 0.95% |
| MEGAN R SILVERMAN3 Filed as: MEGAN SILVERMAN | 1423 MARTIN MEADOWS DR. FALLSTON, MD 210472203 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $1K | $7K | 25.00% |
| MEGAN R SILVERMAN3 Filed as: MEGAN RAE SILVERMAN | 1423 MARTIN MEADOWS DR FALLSTON, MD 21047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $219 | $6K | 40.36% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $763 | $2K | $3K | 21.89% |
| JENNIFER MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $794 | $1K | $2K | 14.78% |
| PARKS BENEFITS & ENROLLMENT LLC3 | 504 LITCHFIELD LN LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $128 | $48 | $176 | 1.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| C.A.S. EIN 91-1991574 NONE | Claims processing; Contract Administrator Service code 12 | — | $28K |
| AIMM EIN 34-7573848 NONE | Other services Service code 49 | — | $20K |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 132 | $42K |
| Vision | AMERITAS LIFE INSURANCE CORP | 132 | $42K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 249 | $29K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 249 | $29K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 249 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.