| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL | 11311 MCCORMICK RD 5TH FLOOR HUNT VALLEY, MD 21031 | GHMSI | — | $7K | $7K | 2.18% |
| MATHER & STROHL ADMIN SVCS INC5 Filed as: MATHER & STROHL | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | GHMSI | — | $3K | $3K | 0.99% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL CENTER INC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 210318622 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 2.92% |
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 | 751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GHMSI | 533 | $327K |
| Life insurance(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 731 | $284K |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 697 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 731 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.