| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNES, | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | METROPOLITAN LIFE INSURANCE COMPANY | $95K | $32K | $127K | 2.38% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE, STE 300 TOWSON, MD 212044021 | METROPOLITAN LIFE INSURANCE COMPANY | $95K | — | $95K | 1.78% |
| CORNERSTONE FINANCIAL LLP3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 212022239 | METROPOLITAN LIFE INSURANCE COMPANY | — | $43K | $43K | 0.81% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24K | $24K | 0.44% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNES, | 555 FAIRMOUNT AVE BALTIMORE, MD 212865417 | METROPOLITAN LIFE INSURANCE COMPANY | $91K | $32K | $124K | 2.45% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE, STE 300 TOWSON, MD 212044021 | METROPOLITAN LIFE INSURANCE COMPANY | $91K | — | $91K | 1.80% |
| CORNERSTONE FINANCIAL LLP3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 212022239 | METROPOLITAN LIFE INSURANCE COMPANY | — | $43K | $43K | 0.85% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23K | $23K | 0.45% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNES, | 555 FAIRMOUNT AVE BALTIMORE, MD 212865497 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $4K | — | $4K | 7.77% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNES, | 555 FAIRMOUNT AVE BALTIMORE, MD 212865417 | METROPOLITAN LIFE INSURANCE COMPANY | $754 | $313 | $1K | 2.66% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE, STE 300 TOWSON, MD 212044021 | METROPOLITAN LIFE INSURANCE COMPANY | $754 | — | $754 | 1.88% |
| CORNERSTONE FINANCIAL LLP3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 212022239 | METROPOLITAN LIFE INSURANCE COMPANY | — | $416 | $416 | 1.04% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $197 | $197 | 0.49% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNES, | 555 FAIRMOUNT AVE BALTIMORE, MD 212865417 | METROPOLITAN LIFE INSURANCE COMPANY | $214 | $94 | $308 | 2.63% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE, STE 300 TOWSON, MD 212044021 | METROPOLITAN LIFE INSURANCE COMPANY | $214 | — | $214 | 1.83% |
| CORNERSTONE FINANCIAL LLP3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 212022239 | METROPOLITAN LIFE INSURANCE COMPANY | — | $125 | $125 | 1.07% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55 | $55 | 0.47% |
| 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 | $75 | $26 | $101 | 2.39% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVE, STE 300 TOWSON, MD 21204 | METROPOLITAN LIFE INSURANCE COMPANY | $75 | — | $75 | 1.77% |
| CORNERSTONE FINANCIAL LLP3 | 1 E FRANKLIN ST STE 300 BALTIMORE, MD 212022239 | METROPOLITAN LIFE INSURANCE COMPANY | — | $35 | $35 | 0.83% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19 | $19 | 0.45% |
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 | 16,239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 16,239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 2 | $55K |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,239 | $5.4M |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,977 | $5.1M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,239 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,239 | — |
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.