| 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 | $69K | $0 | $69K | 20.04% |
| CFA LLC3 | 1501 S CLINTON STREET BALTIMORE, MD 21224 | SYMETRA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.40% |
| SIMMONDS, JOHN H3 | 3 BETHESDA METRO CENTER, STE 700 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 20.06% |
| STRATEBEN INC3 | 3 BETHESDA METRO CENTER, STE 700 BETHESDA, MD 20814 | EYEMED | $2K | $0 | $2K | 9.87% |
| SIMMONDS, JOHN H3 | 3 BETHESDA METRO CENTER, STE 700 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 20.00% |
| SIMMONDS, JOHN H3 | 3 BETHESDA METRO CENTER, STE 700 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $369 | $0 | $369 | 12.27% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $100K |
| Vision | EYEMED | 245 | $24K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $418K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $346K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $343K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 225 | $254K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.