| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, INC. | PO BOX 5406 LANCASTER, PA 17606 | HIGHMARK | $12K | $0 | $12K | 3.98% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD STE 200 TIMONIUM, MA 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $8K | $20K | 12.85% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD STE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $6K | $18K | 15.05% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD STE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $12K | 16.98% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD STE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $246K |
| BROOKS FINANCIAL GROUP, INC. BROKER | Insurance agents and brokers Service code 22 | 1020 CROMWELL BRIDGE RD TOWSON, MD 21286 | $128K |
| THE BENECON GROUP, INC. EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $101K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $29K |
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 | 951 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HIGHMARK | 1,166 | $297K |
| Vision | HIGHMARK | 1,166 | $297K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 951 | $28K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 242 | $157K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $118K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 643 | $1.2M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 951 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,166 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.