| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT DESIGN GROUP INC Filed as: BENEFIT DESIGN GROUP | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | CAREFIRST BLUE CHOICE | — | — | $0 | 0.00% |
| CORPORATE CONSULTING SERVICES3 Filed as: CORPORATE CONSULTING SERVICES, LTD | 605 THIRD AVENUE 24TH FLOOR NEW YORK, NY 10158 | LINCOLN LIFE & ANNUITY COMPANY OF AMERICA | $3K | $1K | $5K | 6.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MC LENNAN AGENCY | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | LINCOLN LIFE & ANNUITY COMPANY OF AMERICA | $252 | — | $252 | 0.35% |
| CORPORATE CONSULTING SERVICES3 | 605 THIRD AVENUE 24TH FLOOR NEW YORK, NY 10158 | HIP HEALTH PLANS OF NY | $784 | — | $784 | 3.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | HIP HEALTH PLANS OF NY | $155 | — | $155 | 0.63% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW YORK | 200 LIBERTY STREET NEW YORK, NY 10281 | CHUBB FEDERAL INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUE CHOICE | 11 | $157K |
| Vision | VISION SERVICE PLAN | 126 | $228K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF AMERICA | 229 | $71K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF AMERICA | 229 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.