| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHAEFER FINANCIAL GROUP3 Filed as: SCHAEFER FINANCIAL GROUP, INC. | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | AETNA HEALTH, INC. | $64K | — | $64K | 3.46% |
| SCHAEFER FINANCIAL GROUP3 Filed as: SCHAEFER FINANCIAL GROUP INC. | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | AETNA HEALTH, INC. | $15K | — | $15K | 3.90% |
| SCHAEFER FINANCIAL GROUP3 Filed as: SCHAEFER FINANCIAL GROUP INC. | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $5K | $13K | 7.40% |
| SCHAEFER FINANCIAL GROUP3 Filed as: SCHAEFER FINANCIAL GROUP, INC. | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 8.47% |
| DARREN BRAUDE3 Filed as: DARREN MITCHELL BRAUDE | 12710 YOUNG LANE GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $577 | — | $577 | 1.35% |
| MARC SCHAEFER3 | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.21% |
| DARREN BRAUDE3 Filed as: DARREN MITCHELL BRAUDE | 12710 YOUNG LANE GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $530 | — | $530 | 1.29% |
| SCHAEFER FINANCIAL GROUP3 Filed as: SCHAEFER FINANCIAL GROUP, INC. | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 13.79% |
| DARREN BRAUDE3 Filed as: DARREN MITCHELL BRAUDE | 12710 YOUNG LANE GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $501 | — | $501 | 1.25% |
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 | 351 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA HEALTH, INC. | 351 | $2.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $176K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $176K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $43K |
| Short-term disability(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $259K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 188 | $40K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.