| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | 225 SCHILLING CIRCLE, SUITE 150 HUNT VALLEY, MD 21031 | CAREFIRST OF MD | $83K | — | $83K | 2.98% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES, INC. | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST OF MD | $19K | — | $19K | 0.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | PO BOX 13784 NEWARK, NJ 07188 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | — | $31K | 8.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 07188 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 9.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 225 SCHILLING CIRCLE, SUITE 150 HUNT VALLEY, MD 21031 | DELTA DENTAL OF THE DISTRACT OF COLUMBIA | $7K | — | $7K | 2.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | PO BOX 13784 NEWARK, NJ 07188 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 303 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 11.79% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CAREFIRST OF MD | 305 | $3.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 471 | $603K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 211 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 292 | $245K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 292 | $245K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 292 | $245K |
| Prescription drug | CAREFIRST OF MD | 305 | $2.8M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 292 | $643K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.