| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHESAPEAKE BENEFIT SERVICES INC3 Filed as: CHESAPEAKE BENEFIT SERVICES, INC | 860 WASHINGTON AVENUE CHESTERTOWN, MD 21620 | RELIANCE STANDARD | — | — | $0 | 0.00% |
| CHESAPEAKE BENEFIT SERVICES INC3 | 860 WASHINGTON AVENUE CHESTERTOWN, MD 21620 | STANDARD INSURANCE COMPANY | $1K | $21K | $22K | 10.67% |
| CHESAPEAKE BENEFIT SERVICES INC3 | 860 WASHINGTON AVENUE CHESTERTOWN, MD 21620 | STANDARD INSURANCE COMPANY | $16K | $1K | $17K | 10.67% |
| CHESAPEAKE BENEFIT SERVICES INC3 Filed as: CHESAPEAKE BENEFIT SERVICES, INC | 860 WASHINGTON AVENUE CHESTERTOWN, MD 21620 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 17.34% |
| CHESAPEAKE BENEFIT SERVICES INC3 | 860 WASHINGTON AVENUE CHESTERTOWN, MD 21620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | — |
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 | 291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 272 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 291 | $157K |
| Long-term disability | STANDARD INSURANCE COMPANY | 291 | $206K |
| Stop-loss / reinsurancereinsurance | RELIANCE STANDARD | 215 | $656K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.