| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPTIAL SERVICES CORPORATION3 | 1 OLYMPIC PLACE SUITE 900 TOWSON, MD 21204 | UNITEDHEALTHCARE INSURANCE COMPANY | $96K | — | $96K | 3.51% |
| CAPTIAL SERVICES CORPORATION3 | 1 OLYMPIC PLACE SUITE 900 TOWSON, MD 21204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | $9K | $45K | 12.93% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC | 897 12TH STREET HAMMONTON, NJ 18037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 14.30% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 1 OLYMPIC PLACE SUITE 900 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.48% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2330 W JOPPA ROAD SUITE 311 LUTHERVILLE, MD 21093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $415 | $1 | $416 | 0.50% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 18037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $3K | $18K | 50.32% |
| CAPTIAL SERVICES CORPORATION3 | 1 OLYMPIC PLACE SUITE 900 TOWSON, MD 21204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 8.30% |
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 | 865 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 592 | $2.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 722 | $346K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 722 | $381K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 722 | $346K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 722 | $346K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 722 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 722 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.