| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVERY HALL BENEFIT SOLUTIONS INC3 | PO BOX 2317 SALISBURY, MD 21802 | UNION SECURITY INSURANCE COMPANY | $28K | — | $28K | 9.63% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | UNION SECURITY INSURANCE COMPANY | $9K | $7K | $16K | 5.49% |
| AVERY HALL BENEFIT SOLUTIONS INC3 Filed as: AVERY HALL BENEFIT SOLUTIONS | PO BOX 2317 SALISBURY, MD 21801 | DELTA DENTAL OF DELAWARE | $8K | — | $8K | 5.00% |
| AVERY HALL BENEFIT SOLUTIONS INC3 | PO BOX 2317 SALISBURY, MD 218022317 | VISION SERVICE PLAN | $2K | — | $2K | 3.24% |
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 | 1,332 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF DELAWARE | 550 | $163K |
| Vision | VISION SERVICE PLAN | 798 | $69K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 356 | $291K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 356 | $291K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 356 | $291K |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 770 | $263K |
| Other | UNION SECURITY INSURANCE COMPANY | 356 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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.