| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $2K | $29K | 16.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCE | 4851 LBJ FREEWAY DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.00% |
| MATHER BENEFIT ADMINISTRATORS, LLC5 | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 9.45% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $4K | $11K | 8.81% |
| BENEFITMALL3 Filed as: BENEFITMALL HOLDING, INC. DBA DKG I | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $81 | $4K | 3.43% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $607 | $8K | 16.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCE | 4851 LBJ FREEWAY SUITE 1100 DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $972 | — | $972 | 2.00% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL DRIVE SUITE 4500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $390 | $19 | $409 | 0.84% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.90% |
| JAY E. BLACK3 Filed as: JAY BLACK | 1400 MIDHURST COURT BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.38% |
| ANN MARIE BENT3 | 2028 CARTER MILL WAY BROOKEVILLE, MD 20833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.57% |
| SONIA A VIDAL-AWBREY3 Filed as: SONIA VIDAL-AWBREY | 4905 WYCLIFF LANE FAIRFAX, VA 22032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.57% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | TELEDOC | $8K | — | $8K | 44.64% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 661 | $129K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 661 | $129K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 277 | $177K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 277 | $177K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 387 | $286K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 277 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 661 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.