| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFIT SERVICES INS LLC3 Filed as: FINANCIAL BENEFIT SERVICES INS. LLC | 10 POST OFFICE ROAD, SUITE 233 SILVER SPRING, MD 20910 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $238K | $238K | 3.73% |
| 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 | $14K | $776 | $15K | 6.31% |
| 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 | $10K | $599 | $11K | 10.78% |
| DUNN, PATRICK3 | 10 POST OFFICE ROAD, SUITE 233 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.46% |
| 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 | — | $203 | $203 | 0.75% |
| FINANCIAL BENEFIT SERVICES INS LLC3 Filed as: FINANCIAL BENEFIT SERVICES INSUR. | 10 POST OFFICE ROAD, SUITE 233 SILVER SPRING, MD 20910 | VISION SERVICE PLAN | $807 | — | $807 | 6.96% |
| DUNN, PATRICK3 | 10 POST OFFICE ROAD, SUITE 233 CAPITOL VIEW, MD 20902 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.67% |
| 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 | — | $1 | $1 | 0.01% |
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 | 620 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 620 | $6.4M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 589 | $338K |
| Vision | VISION SERVICE PLAN | 114 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20 | $27K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20 | $27K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20 | $27K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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.