| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE FINANCIAL LLP4 | 210 ALLEGHENY AVE, STE 300 TOWSON, MD 212044021 | METROPOLITAN LIFE INSURANCE COMPANY | $137K | $68K | $205K | 3.24% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNES, | PO BOX 74608 CLEVELAND, OH 441940691 | METROPOLITAN LIFE INSURANCE COMPANY | $137K | — | $137K | 2.16% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 122 W PINE ST STE 203 ORLANDO, FL 328012612 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | — | $34K | 0.54% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNES, | PO BOX 74608 CLEVELAND, OH 441940691 | METROPOLITAN LIFE INSURANCE COMPANY | $123K | — | $123K | 2.15% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE, STE 300 TOWSON, MD 212044021 | METROPOLITAN LIFE INSURANCE COMPANY | $123K | — | $123K | 2.15% |
| CORNERSTONE FINANCIAL LLP3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 212022239 | METROPOLITAN LIFE INSURANCE COMPANY | — | $68K | $68K | 1.18% |
| CORNERSTONE FINANCIAL LLP3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 212022239 | METROPOLITAN LIFE INSURANCE COMPANY | — | $339 | $339 | 2.98% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE, STE 300 TOWSON, MD 212044021 | METROPOLITAN LIFE INSURANCE COMPANY | $268 | — | $268 | 2.36% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNES, | 555 FAIRMOUNT AVE BALTIMORE, MD 212865417 | METROPOLITAN LIFE INSURANCE COMPANY | $229 | — | $229 | 2.02% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 122 W PINE ST STE 203 ORLANDO, FL 328012612 | METROPOLITAN LIFE INSURANCE COMPANY | — | $69 | $69 | 0.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER RISK MGMT SVCS | 235 HIGHLAND DR #200 BATON ROUGE, LA 70810 | HARTFORD FIRE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| CORNERSTONE FINANCIAL LLP3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 212022239 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 93.15% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNES, | PO BOX 74608 CLEVELAND, OH 441940691 | METROPOLITAN LIFE INSURANCE COMPANY | $92 | $2 | $94 | 2.25% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE, STE 300 TOWSON, MD 212044021 | METROPOLITAN LIFE INSURANCE COMPANY | $92 | — | $92 | 2.20% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 122 W PINE ST STE 203 ORLANDO, FL 328012612 | METROPOLITAN LIFE INSURANCE COMPANY | $23 | $6 | $29 | 0.69% |
| CORNERSTONE FINANCIAL LLP3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 212022239 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | — |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE, STE 300 TOWSON, MD 212044021 | METROPOLITAN LIFE INSURANCE COMPANY | $898 | — | $898 | — |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNES, | 555 FAIRMOUNT AVE BALTIMORE, MD 212865417 | METROPOLITAN LIFE INSURANCE COMPANY | $769 | — | $769 | — |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 122 W PINE ST STE 203 ORLANDO, FL 328012612 | METROPOLITAN LIFE INSURANCE COMPANY | — | $232 | $232 | — |
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 | 18,015 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 18,015 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 18,015 | $5.7M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 13,582 | $6.4M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,408 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,408 | — |
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."
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.