| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE & FINANCIAL PART | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 17.13% |
| CHESAPEAKE BENEFIT SERVICES INC3 Filed as: CHESAPEAKE BENEFIT SERVICES, INC | 860 WASHINGTON AVENUE CHESTERTOWN, MD 21620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$4K | — | -$4K | -2.13% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE & FINANCIAL PART | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | THE HARTFORD GROUP | $13K | — | $13K | 15.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE & FINANCIAL PART | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 21.65% |
| CHESAPEAKE BENEFIT SERVICES INC3 | 860 WASHINGTON AVENUE CHESTERTOWN, MD 21620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$894 | — | -$894 | -1.65% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE & FINANCIAL PART | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21620 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.51% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE & FINANCIAL PART | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 17.60% |
| CHESAPEAKE BENEFIT SERVICES INC3 Filed as: CHESAPEAKE BENEFIT SERVICES, INC | 860 WASHINGTON AVENUE CHESTERTOWN, MD 21620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $993 | — | $993 | 3.98% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $993 | — | $993 | 3.98% |
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 | 450 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 344 | $51K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 450 | $368K |
| Short-term disability | THE HARTFORD GROUP | 399 | $88K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 450 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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."
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.