| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELTMANN, GARY F3 Filed as: WELTMANN GARY | PO BOX 59816 POTOMAC, MD 20859 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 9.88% |
| WORTHINGTON CAPITAL GROUP3 Filed as: WORTHINGTON CAPITAL GROUP LTD | 12502 FELLOWSHIP CT REISTERSTOWN, MD 21136 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 12.36% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER & ASSOCIATES INC | 1655 RICHMOND AVE STATEN ISLAND, NY 13014 | FEDERAL INSURANCE COMPANY | $372 | — | $372 | 20.01% |
| AON CONSULTING INC3 Filed as: AON | ONE LIBERTY PLAZA NEW YORK, NY 10006 | FEDERAL INSURANCE COMPANY | $279 | — | $279 | 15.01% |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $243K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $143K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 141 | $143K |
| Other | FEDERAL INSURANCE COMPANY | 141 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.