| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFIT SERVICES LLC3 | 10543 METROPOLITAN AVENUE KENSINGTON, MD 20895 | AETNA LIFE INSURANCE COMPANY | $13K | $62 | $13K | 4.14% |
| FINANCIAL BENEFIT SERVICE3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 10.00% |
| FINANCIAL BENEFIT SERVICE3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 9.68% |
| FINANCIAL BENEFIT SERVICE3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 10.00% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES | 10 POST OFFICE ROAD CAPITOL VIEW, MD 20910 | EYEMED VSION CARE | $4K | $0 | $4K | 8.58% |
| FINANCIAL BENEFIT SERVICE3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 9.99% |
| NATALIE S DAVIS4 | 372 BACK NINE DRIVE BANEBERRY, TN 37890 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $234 | $0 | $234 | 9.83% |
| THOMAS A SCHWEIKER4 | P.O. BOX 4471 ARLINGTON, VA 22204 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $184 | $0 | $184 | 7.73% |
| MADDYLOU WORKSHOPS DBA PROACTIVE FI4 | 9659 NORTHWEST 67TH PLACE PARKLAND, FL 33076 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $21 | $0 | $21 | 0.88% |
| LOUISE SEIRMARCO YALE4 | 10919 THANLET LN RESTON, VA 20190 | LEGALSHIELD | $158 | $0 | $158 | 12.87% |
| THOMAS A SCHWEIKER4 Filed as: THOMAS A. SCHWEIKER | P.O. BOX 4471 ARLINGTON, VA 22204 | LEGALSHIELD | $147 | $0 | $147 | 11.97% |
| MADDYLOU WORKSHOPS DBA PROACTIVE FI4 Filed as: MADDYLOU WORKSHOPS DBA PROACTIVE | 9659 NW 67TH PLACE PARKLAND, FL 33076 | LEGALSHIELD | $61 | $0 | $61 | 4.97% |
| FINANCIAL BENEFIT SERVICES LLC3 Filed as: FINANCIAL BENEFIT SERVICES | 10 POST OFFICE ROAD SUITE 233 CAPITOL VIEW, MD 20902 | EYEMED VISION CARE | $19 | $0 | $19 | 5.03% |
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 | 609 | 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) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 873 | $305K |
| Vision(2 contracts, 2 carriers) | EYEMED VSION CARE | 661 | $42K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 609 | $86K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 609 | $113K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 609 | $84K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 609 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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.
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.