| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCCLELLAN, DAVID J3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $183 | $3K | 4.28% |
| 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 | $1K | — | $1K | 2.00% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBNINE, MD 21797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $105 | $2K | 6.28% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.00% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.00% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBNINE, MD 21797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $50 | $1K | 6.27% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.00% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $543 | — | $543 | 3.00% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM INSURANCE COMPANY | $467 | $29 | $496 | 5.10% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $467 | — | $467 | 4.81% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $234 | — | $234 | 2.41% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM INSURANCE COMPANY | $300 | $28 | $328 | 4.37% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $300 | — | $300 | 4.00% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $150 | — | $150 | 2.00% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBNINE, MD 21797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $402 | $18 | $420 | 6.27% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $402 | — | $402 | 6.00% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $201 | — | $201 | 3.00% |
| PAYNE, CRISTY L3 | 14770 MCCANN FARM RD WOODBINE, MD 21797 | UNUM INSURANCE COMPANY | $103 | $22 | $125 | 2.43% |
| RUSSELL, SUSAN3 | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $103 | — | $103 | 2.00% |
| RUSSELL, SUSAN3 Filed as: RUSSELL, MARLEY | 340 SOMERSET DRIVE PASADENA, MD 21122 | UNUM INSURANCE COMPANY | $51 | — | $51 | 0.99% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 87 | $66K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 87 | $66K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $25K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 45 | $38K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 45 | $38K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.