| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD SUITE 200 TIMONIUM, MD 21093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 8.00% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD SUITE 200 TIMONIUM, MD 21093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD SUITE 200 TIMONIUM, MD 21093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD SUITE 200 TIMONIUM, MD 21093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $188K |
| BROOKS FINANCIAL GROUP, INC. BROKER | Insurance agents and brokers Service code 22 | 1020 CROMWELL BRIDGE RD TOWSON, MD 21286 | $81K |
| THE BENECON GROUP, INC. EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $54K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $17K |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK | 814 | $191K |
| Vision | HIGHMARK | 814 | $191K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 442 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $103K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $49K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 401 | $654K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 442 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 814 | — |
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.