| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S F & C INS ASSOC INC3 | 10075 RED RUN BLVD STE 550 OWINGS MILLS, MD 21117 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 5.65% |
| S F & C INS ASSOC INC3 | 10075 RED RUN BLVD STE 550 OWINGS MILLS, MD 21117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $246 | — | $246 | 3.98% |
| BIDEN AND CAVENEY LLC.3 Filed as: BIDEN AND CAVENEY LLC | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.66% |
| S F & C INS ASSOC INC3 | 10075 RED RUN BLVD STE 550 OWINGS MILLS, MD 21117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 2.82% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 110 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 510 | $34K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 248 | $90K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 248 | $90K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 248 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.