| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAFEGUARD GROUP INC3 | 100 GRANITE DR STE 205 MEDIA, PA 19063 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $86 | $41K | 7.31% |
| VIRGIL S GARDNER3 | 7717 HARVEST HILLS COURT MT AIRY, MD 21771 | CAREFIRST HMO | $13K | $12 | $13K | 3.34% |
| GROUP BENEFITS LTD3 Filed as: GROUP ADVISORS INC | 10025 GOVERNOR WARFIELD PKWY SUITE 404 COLUMBIA, MD 21044 | CAREFIRST HMO | $6K | $628 | $7K | 1.83% |
| CBIZ BENEFITS & INSURANCE SERVICES5 Filed as: CBIZ M T DONAHOE & ASSOCIATES INC | 9755 PATUXENT WOODS DRIVE SUITE 250 COLUMBIA, MD 21046 | CAREFIRST HMO | $0 | $2K | $2K | 0.45% |
| POTOMAC BASIN GROUP5 | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | CAREFIRST HMO | $0 | $858 | $858 | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC | PO BOX 9052 RADNOR, PA 19087 | KAISER FOUNDATION HEALTH PLAN INC | $19K | $0 | $19K | 4.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 9052 RADNOR, PA 19087 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $0 | $13K | 5.01% |
| AON CONSULTING INC Filed as: AON CONSULTING INC. | 199 WATER STREET NEW YORK, NY 10038 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | — | $1K | $1K | 30.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS PHARMACY, INC EIN 05-0340626 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $14K |
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 | 1,475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | INDEPENDENCE BLUE CROSS | 1,189 | $12.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,073 | $737K |
| Vision | VISION SERVICE PLAN | 723 | $101K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,596 | $565K |
| Prescription drug(4 contracts, 3 carriers) | OXFORD HEALTH INSURANCE, INC | 77 | $1.6M |
| Other(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 1,596 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,073 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.