No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST BLUE CROSS BLUE SHIELD NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 1501 SOUTH CLINTON STREET BALTIMORE, MD 21224 | $546K |
| PSA FINANCIAL LLC NONE | Insurance brokerage commissions and fees; Soft dollars commissions; Insurance services; Other insurance fees and expenses; Insurance agents and brokers; Actuarial; Consulting fees; Other services; Participant communication; Consulting (general) Service code 11 | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | $80K |
| MZQ CONSULTING EIN 38-4010278 NONE | Other services Service code 49 | — | $36K |
| CALIBRE CPA GROUP EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| NASCO/NATIONAL ACCOUNT SERVICE COMP EIN 58-1767730 NONE | Claims processing Service code 12 | — | $21K |
| OGLETREE, DEAKINS, NASH, SMOAK & ST EIN 57-1044820 NONE | Legal Service code 29 | — | $16K |
| SWITCHBRIDGE LLC NONE | Other services Service code 49 | 377 NORTH TANNERY ROAD WESTMINSTER, MD 21157 | $14K |
| JANUS ASSOCIATES, INC DBA BHS EIN 52-1306404 NONE | Other services Service code 49 | — | $8K |
| HEALTH FITNESS CORPORATION | Other services Service code 49 | — | $225 |
| CAREMARK PCS HEALTH, L.L.C. EIN 75-2882129 NONE | Claims processing Service code 12 | — | $0 |
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 | 841 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 891 | $568K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 891 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.