| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNES, | 555 FAIRMOUNT AVE BALTIMORE, MD 212865417 | METROPOLITAN LIFE INSURANCE COMPANY | $144K | $76K | $220K | 2.76% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE, STE 300 TOWSON, MD 212044021 | METROPOLITAN LIFE INSURANCE COMPANY | $170K | — | $170K | 2.12% |
| PLANSOURCE BENEFITS ADMINISTRATION | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $38K | $50K | 0.62% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNES, | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | METROPOLITAN LIFE INSURANCE COMPANY | $134K | $68K | $202K | 2.70% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE, STE 300 TOWSON, MD 212044021 | METROPOLITAN LIFE INSURANCE COMPANY | $157K | — | $157K | 2.10% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $35K | $46K | 0.61% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNES, | 555 FAIRMOUNT AVE BALTIMORE, MD 212865497 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $4K | — | $4K | 8.00% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNES, | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | HARTFORD FIRE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNES, | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | METROPOLITAN LIFE INSURANCE COMPANY | $71 | $51 | $122 | 3.18% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE, STE 300 TOWSON, MD 21204 | METROPOLITAN LIFE INSURANCE COMPANY | $84 | — | $84 | 2.19% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | $18 | $24 | 0.63% |
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 | 14,675 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 14,675 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 2 | $51K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 43,165 | $7.6M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,667 | $8.0M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 43,165 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43,165 | — |
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.