| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGEANT LLC3 | 1954 GREENSPRING DRIVE SUITE 640 TIMONIUM, MD 21093 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 6.76% |
| MELISSA PETERS3 | 13121 GENTRY DRIVE HAGERSTOWN, MD 21742 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $79 | — | $79 | 3.15% |
| LESLIE B SIER3 | 3067 GREEN VALLEY ROAD IJAMSVILLE, MD 21754 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $75 | — | $75 | 3.00% |
| EDDIE PETERS3 | 13121 GENTRY DRIVE HAGERSTOWN, MD 21742 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $41 | — | $41 | 1.64% |
| ALLEGEANT LLC3 | 1954 GREEN SPRING DRIVE SUITE 640 TIMONIUM, MD 21093 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $38 | — | $38 | 1.52% |
| TERRY L PATTERSON3 | 8533 WILLOW CREEK DRIVE ROANOKE, VA 24019 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | — | $28 | 1.12% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $264K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $264K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $264K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $264K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $264K |
| Stop-loss / reinsurancereinsurance | PROSELECT INSURANCE COMPANY | 110 | $456K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 165 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.