| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | PO BOX 13613 NEWARK, NJ 07188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $15K | $15K | 0.83% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS, COUNCILMAN, MICHAELS, DOWNES | 555 FAIRMONT AVE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $7K | $12K | 0.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 225 SCHILLING CIR., STE 150 HUNT VALLEY, MD 21031 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.01% |
| CETERA ADVISOR NETWORKS LLC3 | ATTN COMMISION DEPT 200 N. SEPULVEDA BLVD, SUITE 1300 EL SEGUNDO, CA 90245 | MINNESOTA LIFE INSURANCE COMPANY | $26K | — | $26K | 2.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SECURITIES INC. | ATTN CONNIE WINDORPSKI 1250 CAP. OF TX HWY S BLDG 2 600 AUSTIN, TX 78746 | MINNESOTA LIFE INSURANCE COMPANY | $22K | — | $22K | 2.28% |
| AXA ASSISTANCE, USA3 Filed as: AXA NETWORK LLC | 4135 NORTH FRONT ST HARRISBURG, PA 17110 | MINNESOTA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.16% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN, MICHAELS | AND DOWNES, INC. 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | — | $1K | $1K | 0.15% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS, COUNCILMAN, MICHAELS, DOWNES | 555 FAIRMONT AVE BALTIMORE, MD 21286 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $397 | $5K | 7.61% |
| CHARLES D. BLOCK3 | 648 VILLAGE PARK DR, UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.37% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS, COUNCILMAN, MICHAELS, DOWNES | 555 FAIRMONT AVE BALTIMORE, MD 21286 | FIRST UNUM LIFE INSURANCE COMPANY | $74 | — | $74 | 4.30% |
| CHARLES D. BLOCK3 | 648 VILLAGE PARK DR., UNIT 208 WILMINGTON, NC 28405 | FIRST UNUM LIFE INSURANCE COMPANY | $46 | — | $46 | 2.68% |
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 | 1,335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 143 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,277 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,104 | $155K |
| Life insurance(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,368 | $2.9M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 224 | $69K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,368 | $1.9M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,368 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,277 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.