| 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 | $35K | — | $35K | 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. | $52K | — | $52K | 3.92% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | SYMETRA LIFE INSURANCE COMPANY | $149K | $40K | $189K | 14.78% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | 2.50% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL CENTER INC. | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 7.33% |
| 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 | 3.06% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE & FINANCIAL SERVICES | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | ZURICH AMERICAN INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ROSE & KIERNAN INC3 | 99 TROY ROAD EAST GREENBUSH, NY 12061 | HARTFORD LIFE INSURANCE COMPANY | $210 | — | $210 | 14.98% |
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 | 1,784 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 463 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN, INC. | 1,784 | $1.4M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 1,565 | $1.5M |
| Vision | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 1,016 | $94K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,799 | $1.3M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,799 | $1.3M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,799 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,799 | — |
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.