| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMMONDS, JOHN H3 | 3 BETHESDA METRO CENTER, STE 700 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $64K | — | $64K | 18.46% |
| JOHN H SIMMONDS3 | 3 BETHESDA METRO CENTER, STE 700 BETHESDA, MD 20814 | SYMETRA LIFE INSURANCE COMPANY | — | $9K | $9K | 4.50% |
| SIMMONDS, JOHN H3 | 3 BETHESDA METRO CENTER, STE 700 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 18.27% |
| STRATEBEN INC3 | 3 BETHESDA METRO CENTER, STE 700 BETHESDA, MD 20814 | EYEMED | $2K | — | $2K | 9.27% |
| SIMMONDS, JOHN H3 | 3 BETHESDA METRO CENTER, STE 700 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.35% |
| SIMMONDS, JOHN H3 | 3 BETHESDA METRO CENTER, STE 700 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 12.18% |
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 | 211 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 281 | $103K |
| Vision | EYEMED | 212 | $24K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 294 | $411K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 294 | $356K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 294 | $346K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 210 | $200K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 294 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.