| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | 225 SCHILLING CIRCLE HUNT VALLEY, MD 21031 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $32K | $0 | $32K | 1.96% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE, HAMBRIGHT & DAVIES | 1857 WILLIAM PENN WAY PO BXO 11600 LANCASTER, PA 17605 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $28K | $0 | $28K | 1.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS SOUTHEAST, LLC | 12505 PARK POTOMAC AVE POTOMAC BUILDING E, FLOOR 3 STE 300 POTOMAC, MD 20854 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $5K | $0 | $5K | 0.33% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 215 | $1.6M |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 215 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.