| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE | $30K | $44 | $30K | 3.71% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 1007 MUMMA ROAD SUITE 200 WOLMLEYSBURG, PA 17043 | CAREFIRST BLUECHOICE | $10K | — | $10K | 1.29% |
| MATHER & STROHL ADMINISTRATIVE SVCS3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE | — | $5K | $5K | 0.65% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE | — | $3K | $3K | 0.43% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720 B ROCKLEDGE DRIVE BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 8.09% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.00% |
| DAILYFEATS INC.3 | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.17% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 107 | $798K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $126K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $126K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $126K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $126K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $126K |
| Prescription drug | CAREFIRST BLUECHOICE | 107 | $798K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
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.