| 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 | $59K | — | $59K | 13.75% |
| JOSEPH KLEIN ASSOCIATES LLC3 | 1122 KENILWORTH DRIVE TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.25% |
| STRATEBEN INC3 | 4720 MONTGOMERY LANE SUITE 500 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.90% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWN CNTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.90% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWN CENTER BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | DOMINION NATIONAL | $6K | — | $6K | 8.18% |
| 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 | 13.80% |
| JOSEPH KLEIN ASSOCIATES LLC3 | 1122 KENILWORTH DRIVE SUITE 305 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $615 | — | $615 | 1.20% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.28% |
| NEIL YOUNG, RICHARD GRANT3 | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $803 | — | $803 | 2.26% |
| FOUNDERS FINANCIAL GROUP LLC3 Filed as: FOUNDERS FINANCIAL LLC | 1020 CROMWELL BRIDGE ROAD TOWSON, MD 21286 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $185 | $185 | 0.52% |
| JOHN H WATSON3 | 4555 CLAYTON COURT WALDORF, MD 20601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.10% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.51% |
| NEIL YOUNG, RICHARD GRANT3 | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $353 | — | $353 | 1.23% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.99% |
| JOSEPH KLEIN ASSOCIATES LLC3 | 1122 KENILWORTH DRIVE TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $289 | — | $289 | 1.33% |
| NEIL YOUNG, RICHARD GRANT3 Filed as: NEIL R. YOUNG | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $179 | — | $179 | 0.83% |
| ELAINE M SHANLEY3 | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $179 | — | $179 | 0.83% |
| STRATEBEN INC3 | 4720 MOTGOMERY LANE SUITE 500 BETHESDA, MD 20814 | EYEMED | $1K | — | $1K | 7.14% |
| YOUNG AND COMPANY3 | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY | 1910 TOWNE CENTER BOUEVARD SUITE 250 ANNAPOLIS, MD 21401 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $553 | — | $553 | 7.04% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY | 1910 TOWNE CENTER BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $240 | — | $240 | 6.54% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 579 | $142K |
| Vision(3 contracts, 2 carriers) | EYEMED | 330 | $27K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $493K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $432K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $432K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 207 | $273K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 291 | $579K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.