| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN H SIMMONDS3 | 4720 MONTGOMER LANE BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 11.02% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.59% |
| JOSEPH KLEIN ASSOCIATES LLC3 | 1122 KENILWORTH DRIVE TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.40% |
| JOHN H SIMMONDS3 | 4720 MONTGOMERY LANE SUITE 500 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 11.33% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWN CNTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.30% |
| JOSEPH KLEIN ASSOCIATES LLC3 | 1122 KENILWORTH DDRIVE SUITE 305 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $726 | — | $726 | 0.37% |
| STRATEBEN INC3 | 4720 MONTGOMERY LANE SUITE 500 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.66% |
| YOUNG AND COMPANY3 Filed as: YOUNG AND COMPANY LLC | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | METROPOLITAN LIFE INSURANCE COMPANY | $389 | — | $389 | 0.28% |
| JOHN H SIMMONDS3 | 4720 MONTGOMERY LANE SUITE 500 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.43% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.21% |
| JOSEPH KLEIN ASSOCIATES LLC3 | 1122 KENILWORTH DRIVE SUITE 305 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $192 | — | $192 | 0.36% |
| 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 | 4.40% |
| NEIL YOUNG, RICHARD GRANT3 | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $949 | — | $949 | 2.84% |
| FOUNDERS FINANCIAL GROUP LLC3 Filed as: FOUNDERS FINANCIAL LLC | 1020 CROMWELL BRIDGE ROAD TOWSON, MD 21286 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $219 | $219 | 0.66% |
| JOHN H WATSON3 | 4555 CLAYTON COURT WALDORF, MD 20601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.12% |
| STRATEBEN INC3 | 4720 MONTGOMERY LANE SUITE 500 BETHESDA, MD 20814 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.68% |
| JOHN H SIMMONDS3 | 4720 MONTGOMERY LANE SUITE 500 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.17% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $785 | — | $785 | 3.44% |
| JOSEPH KLEIN ASSOCIATES LLC3 | 1122 KENILWORTH DRIVE SUITE 305 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | — | $87 | 0.38% |
| YOUNG AGENCY LLC3 Filed as: YOUNG & COMPANY LLC | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $429 | — | $429 | 2.48% |
| NEIL YOUNG, RICHARD GRANT3 | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $386 | — | $386 | 2.23% |
| STRATEBEN INC3 | 4720 MONTGOMERY LANE SUITE 500 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.53% |
| YOUNG AND COMPANY3 | 1910 TOWNE CENTRE BOULEVARD SUITE 250 ANNAPOLIS, MD 21401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $516 | — | $516 | 4.46% |
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 | 326 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 588 | $138K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 341 | $28K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $569K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $504K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $504K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 219 | $288K |
| Other(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 289 | $642K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.