| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD EXECUTIVE PLAZA III, SUITE 1203 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE | $85K | $57 | $86K | 5.00% |
| BENEFITMALL5 Filed as: BENFITFMALL | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE | $0 | $16K | $16K | 0.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $888 | $12K | 10.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FINANCE | 4851 LBJ FREEWAY, SUITE 1100 DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 5.00% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER AND STROHL ADMIN. SERVICES | UNKNOWN DALLAS, TX 75251 | UNITED CONCORDIA INSURANCE COMPANY | $0 | $7K | $7K | 6.57% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 305 | $1.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 326 | $109K |
| Vision | CAREFIRST BLUECHOICE | 305 | $1.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $115K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $115K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $115K |
| Prescription drug | CAREFIRST BLUECHOICE | 305 | $1.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.