| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL SERVICE CORPORATION3 Filed as: CAPITAL SERVICES CORPORATION BDA | CAPITAL SERVICES 215 WASHINGTON AVENEU TOWSON, MD 21204 | AETNA LIFE INSURANCE CO | $980 | $15K | $16K | 0.66% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS | 8370 VETERANS HIGHWAY 101 MILLERSVILLE, MD 21108 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 7.62% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | AETNA LIFE INSURANCE CO. | $14K | — | $14K | 7.62% |
| CAPIT307523 | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 13.86% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $840 | $840 | 0.77% |
| CAPIT307523 | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 12.91% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $657 | $657 | 0.78% |
| CAPIT307523 | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 9.23% |
| BENEFLEX, INC.3 Filed as: BENEFLEX INC DBA CLARITY BENEFIT SO | 90 WOODBRIDGE CENTER DRIVE SUITE 405 WOODBRIDGE, NJ 07095 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 8.84% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $533 | $533 | 0.83% |
| CAPIT307523 | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $243 | — | $243 | 12.11% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $24 | $24 | 1.20% |
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 | 528 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 429 | $2.4M |
| Dental | AETNA LIFE INSURANCE CO | 429 | $2.4M |
| Vision | AETNA LIFE INSURANCE CO | 429 | $2.4M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 559 | $64K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $109K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 559 | $84K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 559 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.