| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCQUADE CONSULTING LLC3 | 720 SOUTH MONTFORD AVENUE BALTIMORE, MD 21224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $42K | $7K | $48K | 17.43% |
| MCQUADE CONSULTING LLC3 | 720 SOUTH MONTFORD AVENUE BALTIMORE, MD 21224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $4K | $5K | 3.35% |
| MCQUADE CONSULTING LLC3 | 720 SOUTH MONTFORD AVE BALTIMORE, MD 21224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $3K | $4K | 3.05% |
| MCQUADE CONSULTING LLC3 | 720 SOUTH MONTFORD AVENUE BALTIMORE, MD 21224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $936 | $7K | 17.17% |
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 | 1,867 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,869 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,020 | $277K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 521 | $159K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,051 | $130K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 1,338 | $697K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,051 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,338 | — |
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.