| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FHSC BENEFIT SERVICES3 Filed as: FHSC INSURANCE SERVICES | 470 PROSPECT BLVD FREDERICK, MD 21701 | AETNA LIFE INSURANCE COMPANY | $70K | — | $70K | 4.10% |
| STEVEN J MURFIN3 | 3305 SANDBURG TERRACE OLNEY, MD 20832 | AETNA LIFE INSURANCE COMPANY | $34K | — | $34K | 1.97% |
| FHSC BENEFIT SERVICES3 | 470 PROSPECT BLVD. FREDERICK, MD 21701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 10.05% |
| BROKER NOT PROVIDED3 Filed as: BROKER RESOURCES LLC | 3 THEO LN TOWSON, MD 21204 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 4.95% |
| UMR, INC.3 Filed as: UMR | 5151 PFEIFFER ROAD ML 400 CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 0.95% |
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 | 1,473 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE COMPANY | 2,449 | $1.7M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 2,449 | $1.7M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 2,449 | $1.7M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 2,449 | $1.7M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,292 | $303K |
| Other | AETNA LIFE INSURANCE COMPANY | 2,449 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,449 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.