| 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 | 6.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 12505 PARK POTOMAC AVE SUITE 300 POTOMAC, MD 20854 | HARTFORD LIFE AND ACCIDENT | $100 | — | $100 | 0.13% |
| S F & C INS ASSOC INC3 | 10075 RED RUN BLVD STE 550 OWINGS MILLS, MD 21117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $368 | — | $368 | 3.57% |
| BIDEN AND CAVENEY LLC.3 Filed as: BIDEN AND CAVENEY LLC | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.58% |
| S F & C INS ASSOC INC3 | 10075 RED RUN BLVD STE 550 OWINGS MILLS, MD 21117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 2.54% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 83 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 537 | $54K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 246 | $89K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 246 | $89K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 246 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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."
No prospect flags tripped on this filing.