| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGEANT LLC3 | 15 S HANSON STREET EASTON, MD 21601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 6.47% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | SUN LIFE ASSURANCE COMPANY OF CANADA | $547 | — | $547 | 0.50% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $518 | $518 | 0.48% |
| MELISSA PETERS3 | 13121 GENTRY DRIVE HAGERSTOWN, MD 21742 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $259 | — | $259 | 12.40% |
| LESLIE B SIER3 | 3067 GREEN VALLEY ROAD IJAMSVILLE, MD 21754 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $150 | — | $150 | 7.18% |
| SUSAN E BURGAN3 | UNIT 404 2800 STONE CLIFF DRIVE BALTIMORE, MD 21209 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $41 | — | $41 | 1.96% |
| ALLEGEANT LLC3 | 1954 GREEN SPRING DRIVE SUITE 640 TIMONIUM, MD 21093 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $30 | — | $30 | 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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $109K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $109K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $109K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $109K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $109K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.