| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL GROUP LLC/THE | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | — | $65K | 3.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 1.36% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.26% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | SUITE 4000 6720-B ROCKLEDGE DRIVE BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $25K | 14.88% |
| CRAWFORD ADVISORS, LLC3 | 200 INTERNATIONAL DRIVE SUITE 4500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $361 | $8K | 4.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | SUITE 1100 4851 LBJ FREEWAY DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.84% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | SUITE 400 6720-B ROCKLEDGE DRIVE BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $422 | $6K | 13.44% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANC | SUITE 1100 4851 LBJ FREEWAY DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $781 | — | $781 | 1.83% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $546 | $27 | $573 | 1.34% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | VISION SERVICE PLAN | $1K | — | $1K | 4.34% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 472 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 472 | $1.9M |
| Vision | VISION SERVICE PLAN | 161 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $166K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $166K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 271 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.