| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSSELL, SUSAN3 Filed as: RUSSELL, SUSAN E | 340 SOMERSET RD PASADENA, MD 21122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.94% |
| STRATEGIC SOLUTIONS INSURANCE GROUP3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.94% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY H | 340 SOMERSET RD PASADENA, MD 21122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.97% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $339 | $339 | 4.61% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | STARMOUNT LIFE INSURANCE COMPANY | $238 | $18 | $256 | 3.48% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | STARMOUNT LIFE INSURANCE COMPANY | $238 | — | $238 | 3.24% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | STARMOUNT LIFE INSURANCE COMPANY | $204 | — | $204 | 2.77% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $242 | — | $242 | 9.91% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM INSURANCE COMPANY | $171 | $13 | $184 | 7.53% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $171 | — | $171 | 7.00% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $146 | — | $146 | 5.98% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM INSURANCE COMPANY | $135 | $8 | $143 | 7.41% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $135 | — | $135 | 6.99% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $116 | — | $116 | 6.01% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $110 | — | $110 | 5.70% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM INSURANCE COMPANY | $61 | $3 | $64 | 7.32% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $61 | — | $61 | 6.98% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $53 | — | $53 | 6.06% |
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM INSURANCE COMPANY | $35 | — | $35 | 4.00% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNUM INSURANCE COMPANY | 12 | $5K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 93 | $76K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 51 | $7K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 93 | $76K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 93 | $76K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 93 | $76K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 93 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.