| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | DELTA DENTAL OF NEW YORK | $32K | — | $32K | 2.50% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL AGENCY | 1311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | $50K | — | $50K | 4.02% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $66K | — | $66K | 11.62% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | SYMETRA LIFE INSURANCE COMPANY | $52K | — | $52K | 11.66% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | 3.23% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $12K | — | $12K | 12.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT, INC. | 55 CAPITAL BLVD., STE. 102 ROCKY HILL, CT 06067 | ANTHEM HEALTH PLANS, INC. | $2K | — | $2K | 2.48% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | ZURICH AMERICAN INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN, INC. | 99 TROY ROAD EAST GREENBUSH, NY 12061 | HARTFORD LIFE INSURANCE COMPANY | $210 | — | $210 | 14.99% |
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 | 1,871 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 472 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | 333 | $1.3M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 1,501 | $1.4M |
| Vision | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 941 | $94K |
| Life insurance(2 contracts, 2 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,790 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,790 | $1.0M |
| Other(4 contracts, 4 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 1,871 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,871 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.