| 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 | $44K | $0 | $44K | 20.00% |
| CAREFIST3 | 10455 MILLS RUN CIR OWINGS MILLS, MD 21117 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 1.37% |
| SIMMONDS, JOHN H3 | 3 BETHESDA METRO CENTER, STE 700 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 20.00% |
| SIMMONDS, JOHN H3 | 3 BETHESDA METRO CENTER, STE 700 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 12.08% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY, LLC | 1910 TOWNE CENTRE BLVD, STE 250 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.01% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS CHRISTOPHER | 798 BERRY RD, PO BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.00% |
| SIMMONDS, JOHN H3 | 3 BETHESDA METRO CENTER, STE 700 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 17.56% |
| STRATEBEN INC3 | 4720 MONTGOMERY LANE, SUITE 500 BETHESDA, MD 20814 | EYEMED | $2K | $0 | $2K | 14.35% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 414 | $55K |
| Vision | EYEMED | 228 | $13K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 589 | $277K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 589 | $242K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 589 | $222K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 258 | $123K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.