| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 2.50% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 2.50% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 0.75% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46K | — | $46K | 10.65% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $33K | $33K | 7.57% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $13K | $13K | 3.07% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | ATTN TOWANA WHITEHURST 11225 N COMMUNITY HOUSE ROAD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 2.69% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $4K | 0.83% |
| DAVID A CASSARD3 | 915 COOKS BAY COURT GAMBRILLS, MD 21054 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.00% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 4.58% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 4.58% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.69% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 7.82% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 7.82% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.78% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.50% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.50% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.75% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | ZURICH AMERICAN INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| DYE & ESKIN INC3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $863 | $13K | 10.37% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | ATTN TOWANA WHITEHURST 11225 N COMMUNITY HOUSE ROAD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $359 | — | $359 | 0.29% |
| SCHENKEL, JEFFREY WILLIAM3 Filed as: SCHENKEL, JEFFREY, WILLIAM | 10306 EATON PLACE SUITE 420 FAIRFAX, VA 22030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.06% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | ATTN TOWANA WHITEHURST 11225 N COMMUNITY HOUSE ROAD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 7.60% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.96% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $419 | $419 | 0.54% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $416 | $416 | 0.54% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 43.90% |
| PATRICK M DUNN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 23.00% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 17.89% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 8.91% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $665 | $665 | 5.92% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 19.03% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 12.09% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $705 | $705 | 7.63% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $784 | — | $784 | 13.03% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $128 | $128 | 2.13% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES, LLC | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $93 | $93 | 1.55% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | ATTN TOWANA WHITEHURST 11225 N COMMUNITY HOUSE ROAD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $471 | — | $471 | 9.39% |
| WILLIAM B MINTURN3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 1.99% |
| CORNERSTONE FINANCIAL PARTNERS LLC3 | 185 MATTHEWS TERRACE MINERAL, VA 23117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3 | $3 | 0.06% |
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 | 614 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 614 | $60K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 629 | $33K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 578 | $412K |
| Long-term disability(8 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 606 | $1.4M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 621 | $512K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 629 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.