| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DR. STE 610 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE | $45K | $2K | $46K | 3.63% |
| INSURANCE MARKETING CENTER5 Filed as: INSURANCE MARKETING CENTER, INC. | 6101 EXECUTIVE BLVD. STE 120 ROCKVILLE, MD 20852 | CAREFIRST BLUECHOICE | — | $7K | $7K | 0.52% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE STE 4500 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE | — | $6K | $6K | 0.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE ST STE. 403 PITTSBURGH, PA 152332306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 10.35% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1501 REEDSDALE ST. STE 403 PITTSBURGN, PA 15233 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 7.72% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT, INC. | 6430 ROCKLEDGE DR. STE 504 ROCKVILLE, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $678 | $678 | 1.05% |
| SAGEWELL PARTNERS INC3 Filed as: SAGEWELL PARTNERS, INC. | 1501 REEDSDALE ST. STE 403 PITTSBURGH, PA 15233 | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 15.87% |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 229 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $64K |
| Vision | EYEMED VISION CARE/FIDELITY SECURITY LIFE INSURANCE COMPANY | 158 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $147K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $147K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $147K |
| Prescription drug | CAREFIRST BLUECHOICE | 229 | $1.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.