| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 6.21% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $1K | $25K | 15.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCE | 4851 LBJ FREEWAY DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.00% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $275 | $6K | 15.75% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCE | 4851 BJ FREEWAY SUITE 1100 DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $734 | — | $734 | 2.00% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.96% |
| ANN MARIE BENT3 | 4812 WALTONSHIRE CIRCLE OLNEY, MD 20832 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.16% |
| SONIA A VIDAL-AWBREY3 Filed as: SONIA VIDAL-AWBREY | 8181 CARNEGIE HALL CT APT 106 VIENNA, VA 22180 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.16% |
| JAY E. BLACK3 Filed as: JAY BLACK | 1400 MIDHURST CT BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.91% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | TELEDOC | $7K | — | $7K | 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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 573 | $200K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 573 | $200K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $161K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $161K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 352 | $344K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.