| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN RUSSELL3 | 340 SOMERSET DRIVE PASADENA, MD 211225140 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.76% |
| CRISTY PAYNE3 | 14770 MCFANN FARM RD WOODBINE, MD 217978612 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.76% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.40% |
| MARLEY RUSSELL3 | 340 SOMERSET DRIVE PASADENA, MD 211225140 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.38% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | -$318 | — | -$318 | -0.45% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | STARMOUNT LIFE INSURANCE COMPANY | $397 | — | $397 | 5.00% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | STARMOUNT LIFE INSURANCE COMPANY | $278 | $56 | $334 | 4.21% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | STARMOUNT LIFE INSURANCE COMPANY | $278 | — | $278 | 3.50% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | STARMOUNT LIFE INSURANCE COMPANY | $238 | — | $238 | 3.00% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $325 | — | $325 | 14.98% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM INSURANCE COMPANY | $152 | $15 | $167 | 7.70% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $152 | — | $152 | 7.01% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $130 | — | $130 | 5.99% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $278 | — | $278 | 14.98% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM INSURANCE COMPANY | $131 | $13 | $144 | 7.76% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $131 | — | $131 | 7.06% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $111 | — | $111 | 5.98% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $250 | — | $250 | 15.00% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM INSURANCE COMPANY | $116 | $11 | $127 | 7.62% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $116 | — | $116 | 6.96% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $100 | — | $100 | 6.00% |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNUM INSURANCE COMPANY | 13 | $6K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 136 | $71K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 136 | $79K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 136 | $71K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 136 | $71K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 136 | $71K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 136 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.