| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHESAPEAKE BENEFIT SERVICES INC3 | 860 WASHINGTON AVENUE CHESTERTOWN, MD 21620 | SUN LIFE ASSURANCE COMPANY OF CANADA | $106K | $0 | $106K | 13.55% |
| CHESAPEAKE BENEFIT SERVICES INC3 | 860 WASHINGTON AVENUE CHESTERTOWN, MD 21620 | STANDARD INSURANCE COMPANY | $22K | $2K | $24K | 10.72% |
| CHESAPEAKE BENEFIT SERVICES INC3 | 860 WASHINGTON AVENUE CHESTERTOWN, MD 21620 | STANDARD INSURANCE COMPANY | $17K | $1K | $18K | 10.72% |
| CHESAPEAKE BENEFIT SERVICES INC3 | 860 WASHINGTON AVENUE CHESTERTOWN, MD 21620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 19.98% |
| CHESAPEAKE BENEFIT SERVICES INC3 Filed as: CHESAPEAKE BENEFIT SERVICES, INC | 860 WASHINGTON AVENUE CHESTERTOWN, MD 21620 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 23.60% |
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 | 331 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 253 | $779K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 296 | $22K |
| Life insurance | STANDARD INSURANCE COMPANY | 318 | $167K |
| Long-term disability | STANDARD INSURANCE COMPANY | 318 | $220K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 331 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
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.