| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFIT SERVICES INS LLC3 Filed as: FINANCIAL BENEFIT SERVICES INS. LLC | 10543 METROPOLITAN AVE KENSINGTON, MD 20895 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $240K | $240K | 3.71% |
| FINANCIAL BENEFIT SERVICES INS LLC3 Filed as: FINANCIAL BENEFIT SERVICES INSUR. | 10 POST OFFICE ROAD, SUITE 233 SILVER SPRING, MD 20910 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $2K | $17K | 8.14% |
| FINANCIAL BENEFIT SERVICES INS LLC3 Filed as: FINANCIAL BENEFIT SERVICES INSUR. | 10543 METROPOLITAN AVENUE KENSINGTON, MD 20895 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $821 | $10K | 10.83% |
| DUNN, PATRICK3 | 10 POST OFFICE ROAD, SUITE 233 CAPITOL VIEW, MD 20902 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.39% |
| FINANCIAL BENEFIT SERVICES INS LLC3 Filed as: FINANCIAL BENEFIT SERVICES INSUR. | 10 POST OFFICE ROAD, SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $172 | $172 | 0.70% |
| FINANCIAL BENEFIT SERVICES INS LLC3 Filed as: FINANCIAL BENEFIT SERVICES INSUR. | 10543 METROPOLITAN AVE KENSINGTON, MD 20895 | VISION SERVICE PLAN | $837 | — | $837 | 6.73% |
| DUNN, PATRICK3 | 10 POST OFFICE ROAD, SUITE 233 CAPITOL VIEW, MD 20902 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 21.61% |
| FINANCIAL BENEFIT SERVICES INS LLC3 Filed as: FINANCIAL BENEFIT SERVICES INSUR. | 10 POST OFFICE ROAD, SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $61 | $61 | 0.81% |
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 | 642 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 642 | $6.5M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 643 | $299K |
| Vision | VISION SERVICE PLAN | 118 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $24K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $24K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 19 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 643 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.