| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $626 | $4K | 4.80% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET RD PASADENA, MD 21122 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBNINE, MD 21797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $341 | $3K | 7.17% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.37% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.19% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBNINE, MD 21797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $154 | $1K | 7.21% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.41% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $618 | — | $618 | 3.21% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM INSURANCE COMPANY | $496 | $81 | $577 | 5.61% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $496 | — | $496 | 4.82% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $246 | — | $246 | 2.39% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM INSURANCE COMPANY | $326 | $63 | $389 | 4.77% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $326 | — | $326 | 4.00% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $163 | — | $163 | 2.00% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBNINE, MD 21797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $473 | $63 | $536 | 6.79% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $473 | — | $473 | 5.99% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $237 | — | $237 | 3.00% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM INSURANCE COMPANY | $101 | $39 | $140 | 2.75% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $101 | — | $101 | 1.99% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $51 | — | $51 | 1.00% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 99 | $78K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 99 | $78K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $27K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 54 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 54 | $43K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.