| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOUNG AND COMPANY3 Filed as: YOUNG AND COMPANY, LLC | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $56K | — | $56K | 10.58% |
| MEDICAL GROUP INSURANCE SERVICES3 | 1849 WEST NORTH TEMPLE SALT LAKE CITY, UT 84116 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.03% |
| BENEFITMALL3 | 501 FAIRMONT AVENUE SUITE 400 TOWSON, MD 21284 | DENTAQUEST MID-ATLANTIC | $15K | — | $15K | 12.00% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 8.57% |
| NEIL YOUNG, RICHARD GRANT3 | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $969 | — | $969 | 2.03% |
| FOUNDERS FINANCIAL GROUP LLC3 Filed as: FOUNDERS FINANCIAL LLC | 1020 CROMWELL BRIDGE ROAD TOWSON, MD 21286 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $202 | $202 | 0.42% |
| JOHN H WATSON3 | 4555 CLAYTON COURT WALDORF, MD 20601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.10% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWNE CENTRE BOULEVARD ANNAPOLIS, MD 21401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.96% |
| NEIL YOUNG, RICHARD GRANT3 Filed as: NEIL YOUNG RICHARD GRANT | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $453 | — | $453 | 1.08% |
| NEIL YOUNG, RICHARD GRANT3 Filed as: NEIL R. YOUNG | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.50% |
| ELAINE M SHANLEY3 | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.50% |
| YOUNG AND COMPANY3 | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAQUEST MID-ATLANTIC | 361 | $123K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 104 | $13K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $540K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $528K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $528K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 189 | $223K |
| Other(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 290 | $650K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.