| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS LLC | 1120 PROFESSIONAL CT STE C HAGERSTOWN, MD 21740 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.16% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | ATTN COMMISSIONS DEPARTMENT 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | PRINCIPAL LIFE INSURANCE COMPANY | — | $643 | $643 | 4.97% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS LLC | — | STANDARD INSURANCE COMPANY | $106 | — | $106 | 1.78% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS, LLC | — | STANDARD INSURANCE COMPANY | $117 | — | $117 | 6.02% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 105 | $15K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 105 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.