| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $121K | — | $121K | 1.70% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $186K | — | $186K | 3.29% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $92K | — | $92K | 1.70% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $116K | — | $116K | 8.40% |
| LENSERF AND CO INC3 | 31 CHESTNUT HILL RD FOREST HILL, MD 21050 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75K | — | $75K | 50.02% |
| JEAN CLAUDE FRESNEL JR3 Filed as: JEAN-CLAUDE FRESNEL JR | 12201 WORTHINGTON RD OWINGS MILLS, MD 21117 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| MATTHEW W EVANS3 | 127 BOONE TRL SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LONG TERM CARE ADVISORY SVCS LLC3 Filed as: LONG TERM CARE ADVISORY SERVICS LLC | 524 N TRADE ST WINSTON SALEM, NC 27101 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| KENNETH A BLOCH3 | 5950 FAIRVIEW ROAD STE 225 CHARLOTTE, NC 28210 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.00% |
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 | 18,295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 131 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 28,656 | $5.7M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 9,113 | $5.4M |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 18,376 | $7.2M |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 28,656 | $10.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,656 | — |
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."
No prospect flags tripped on this filing.