| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMM INSURANCE CENTER, INC.3 Filed as: LAMM INSURANCE CENTER INC | 119 OAK DRIVE CATONSVILLE, MD 21228 | UNITEDHEALTHCARE INSURANCE COMPANY | $683 | $31K | $32K | 4.64% |
| LAMM INSURANCE CENTER, INC.3 Filed as: LAMM SERVICES INSURANCE CENTER | 1007 FREDERICK ROAD BALTIMORE, MD 21228 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE FINANCIAL SERVICE | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.98% |
| LAMM INSURANCE CENTER, INC.3 Filed as: LAMM INSURANCE CENTER INC | 119 OAK DRIVE CATONSVILLE, MD 21228 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.76% |
| LAMM INSURANCE CENTER, INC.3 Filed as: LAMM INSURANCE CTR INC | 1007 FREDERICK ROAD BALTIMORE, MD 21228 | AETNA LIFE INSURANCE COMPANY | $531 | — | $531 | 1.22% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $686K |
| Dental | AETNA LIFE INSURANCE COMPANY | 155 | $43K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $686K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $78K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $78K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $78K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.