| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM INSURANCE COMPANY | $0 | $53K | $53K | 5.00% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | INC 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST OF MARYLAND, INC. | $0 | $16K | $16K | 1.73% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | CAREFIRST OF MARYLAND, INC. | $1K | $14K | $15K | 1.71% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CAREFIRST OF MARYLAND, INC. | $15 | $576 | $591 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 1.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 12.38% |
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 | 886 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST OF MARYLAND, INC. | 106 | $921K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 709 | $396K |
| Vision(2 contracts, 2 carriers) | CAREFIRST OF MARYLAND, INC. | 650 | $970K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 886 | $504K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 886 | $504K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 886 | $504K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST OF MARYLAND, INC. | 106 | $921K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANY | 8,301 | $1.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 886 | $605K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,301 | — |
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.