| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 20850 | SUNLIFE ASSURANCE COMPANY OF CANADA | $90K | — | $90K | 20.05% |
| MEGAN R SILVERMAN3 Filed as: MEGAN RAE SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54K | $3K | $57K | 62.26% |
| ZACHARY EUGENE VICKERS3 | 24 E LOCUST STREET MARIETTA, PA 17547 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $741 | $4K | 4.35% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 3.83% |
| JAMES BARTLETT LLC3 | 3138 GREENRIDGE DRIVE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $319 | $1K | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH STREET SUITE 500 ROCKVILLE, MD 20850 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 9.37% |
| ERIC M SILVERMAN3 Filed as: ERIC M. SILVERMAN | 1423 MARTIN MEADOWS DRIVE FALLSTON, MD 21047 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 34.44% |
| BRANDY ANN HARTIN3 Filed as: BRANDY A HARTIN | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 18.00% |
| BRANDON PENKO3 Filed as: BRANDON C HOOBLER | 1230 S 336TH STREET #A FEDERAL WAY, WA 98003 | AMERICAN FIDELITY ASSURANCE COMPANY | $106 | — | $106 | 1.80% |
| KAE HUGHES3 Filed as: KAE L. HUGHES | 1225 E. RIVER DRIVE #301 DAVENPORT, IA 52803 | AMERICAN FIDELITY ASSURANCE COMPANY | $85 | — | $85 | 1.44% |
| ALFREDO MALDONADO JR3 Filed as: ALFREDO MALDONADO JR. | 2837 HOME AVENUE BERWYN, IL 60402 | AMERICAN FIDELITY ASSURANCE COMPANY | $85 | — | $85 | 1.44% |
| WENDY RENARD3 Filed as: WENDY M RENARD | 24133 FAWN COURT STACY, MN 55079 | AMERICAN FIDELITY ASSURANCE COMPANY | $85 | — | $85 | 1.44% |
| BARRY M BARBUSH3 | 211 PAULINE DRIVE #312 YORK, PA 17402 | AMERICAN FIDELITY ASSURANCE COMPANY | $85 | — | $85 | 1.44% |
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 | 245 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $91K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 244 | $106K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 109 | $91K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 0 | $6K |
| Stop-loss / reinsurancereinsurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 247 | $450K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 244 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.