| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUZANNE THOMPSON & ASSOCIATES3 Filed as: SUZANNE THOMPSON & ASSOC INC. | C/O HEALTHPLAN HEADQUARTERS 7630 BELAIR RD BALTIMORE, MD 21236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.17% |
| SUZANNE THOMPSON & ASSOCIATES3 Filed as: SUZANNE THOMPSON AND ASSOCIATES | 301 N WASHINGTON ST SNOW HILL, MD 218631055 | VISION SERVICE PLAN | $1K | — | $1K | 5.36% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA COMPANIES, INC. | 0 | $12K |
| Vision | VISION SERVICE PLAN | 204 | $21K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 220 | $28K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 265 | $370K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 220 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.