| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60K | — | $60K | 15.00% |
| YOUNG AND COMPANY3 Filed as: YOUNG AND COMPANY, LLC | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 10.60% |
| MGIS3 | 10 WEST BROADWAY SUITE 800 SALT LAKE CITY, UT 84101 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $15 | $15 | 0.02% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 6.94% |
| NEIL YOUNG, RICHARD GRANT3 | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $876 | — | $876 | 1.81% |
| 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 | $37 | — | $37 | 0.08% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.68% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWNE CENTRE BOULEVARD ANNAPOLIS, MD 21401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.99% |
| 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 | $409 | — | $409 | 0.95% |
| 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 | 7.44% |
| ELAINE M SHANLEY3 | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.44% |
| 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 | 321 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DONINION DENTAL SERVICES INC | 221 | $23K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 126 | $15K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 321 | $546K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 321 | $491K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 321 | $491K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 220 | $252K |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 321 | $661K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.