| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $4K | $6K | 1.85% |
| JOHN H SIMMONDS3 Filed as: JOHN H. SIMMONDS | 3 BETHESDA METRO CENTER, SUITE 700 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.72% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 0.98% |
| JOHN H SIMMONDS3 Filed as: JOHN HARDING SIMMONDS | 3 BETHESDA METRO CENTER, SUITE 700 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $218 | $0 | $218 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 WEST MONROE, SUITE 500 CHICAGO, IL 60603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $125 | $0 | $125 | 0.04% |
| JOHN H SIMMONDS3 Filed as: JOHN H. SIMMONDS | 3 BETHESDA METRO CENTER, SUITE 700 BETHESDA, MD 20814 | HUMANA INSURANCE COMPANY | $19K | $0 | $19K | 6.67% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 630 CHICAGO, IL 60606 | HUMANA INSURANCE COMPANY | $7K | $0 | $7K | 2.33% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 3 BETHESDA METRO CENTER, SUITE 700 BETHESDA, MD 20814 | ARAG INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 WEST MONROE, SUITE 500 CHICAGO, IL 60603 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $128 | $0 | $128 | 1.41% |
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 | 902 | 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) | 902 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 341 | $287K |
| Vision | VISION SERVICE PLAN | 460 | $42K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 902 | $304K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 902 | $314K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 902 | $304K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 902 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 902 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.