| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $14K | $14K | 5.00% |
| SILVERMAN, MEGAN R3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 4.23% |
| SILVERMAN, MEGAN R3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MI 21047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 15.00% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 5.00% |
| SILVERMAN, MEGAN R3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM INSURANCE COMPANY | $8K | $2K | $10K | 25.39% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $8K | $0 | $8K | 19.97% |
| SILVERMAN, MEGAN R3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM INSURANCE COMPANY | $8K | $2K | $10K | 25.21% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $8K | $0 | $8K | 20.01% |
| SILVERMAN, MEGAN R3 | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | UNUM INSURANCE COMPANY | $7K | $2K | $9K | 25.36% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $7K | $0 | $7K | 19.88% |
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 | 608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SURENCY LIFE AND HEALTH | 745 | $51K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 630 | $377K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 630 | $280K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 630 | $280K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 739 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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."
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.