| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATLANTIC SMITH CROPPER & DEELEY3 Filed as: ATLANTIC / SMITH, CROPPER & DEELEY | 7171 BENT PINE RD WILLARDS, MD 21874 | GUARDIAN LIFE INSURANCE | $17K | $6K | $23K | 13.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRA TPA EIN 51-0221312 TPA | Contract Administrator Service code 13 | 110 SOUTH SHIPLEY STREET SEAFORD, DE 19973 | $74K |
| ATLANTIC/SMITH, CROPPER & DEELEY EIN 52-1844109 BROKER | Custodial (securities) Service code 19 | 7171 BENT PINE RD WILLARDS, MD 21874 | $15K |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | GUARDIAN LIFE INSURANCE | 204 | $172K |
| Short-term disability | GUARDIAN LIFE INSURANCE | 204 | $172K |
| Long-term disability | GUARDIAN LIFE INSURANCE | 204 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.