| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BAYSIDE PLANNING GROUP LLC3 | 10908 COURTHOUSE ROAD SUITE 102 FREDERICKSBURG, VA 224082658 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 13.28% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERV | 1133 WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 106043516 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.09% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERV | 4851 LYNDON B JOHNSON FWY SUITE 100 DALLAS, TX 752446025 | METROPOLITAN LIFE INSURANCE COMPANY | — | $676 | $676 | 1.17% |
| THE BAYSIDE PLANNING GROUP LLC3 | 10908 COURTHOUSE RD SUITE 102 FREDERICKSBURG, VA 22408 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 11.05% |
| THE BAYSIDE PLANNING GROUP LLC3 | 5806 DEEP CREEK DRIVE FREDRICKSBURG, VA 22407 | HARTFORD LIFE AND ACCIDENT | $28 | — | $28 | 0.07% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EVEREST REINSURANCE COMPANY | 149 | $243K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $58K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 167 | $41K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 167 | $41K |
| Prescription drug | EVEREST REINSURANCE COMPANY | 149 | $243K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 149 | $243K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.