| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CFA LLC3 | 1501 S CLINTON STREET 7TH FLOOR BALTIMORE, MD 21224 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $10K | $10K | 2.39% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | -$6K | — | -$6K | -1.45% |
| ALLEGEANT LLC3 | 15 S HANSON STREET EASTON, MD 21601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | — | $17K | 7.28% |
| MELISSA PETERS3 | 13121 GENTRY DRIVE HAGERSTOWN, MD 21742 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $285 | — | $285 | 7.98% |
| LESLIE B SIER3 | 3067 GREEN VALLEY ROAD IJAMSVILLE, MD 21754 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $201 | — | $201 | 5.63% |
| EDDIE PETERS3 | 13121 GENTRY DRIVE HAGERSTOWN, MD 21742 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $71 | — | $71 | 1.99% |
| ALLEGEANT LLC3 | 1954 GREEN SPRING DRIVE SUITE 640 TIMONIUM, MD 21093 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $63 | — | $63 | 1.76% |
| TERRY L PATTERSON3 | 8533 WILLOW CREEK DRIVE ROANOKE, VA 24019 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | — | $31 | 0.87% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $236K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $236K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $236K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $236K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $236K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 104 | $419K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 240 | $240K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.