No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST EIN 53-0078070 NONE | Claims processing Service code 12 | — | $1.7M |
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Plan Administrator Service code 14 | — | $1.2M |
| WAGEWORKS EIN 94-3351864 NONE | Claims processing Service code 12 | — | $230K |
| SAGE ADVISORY SECURITIES EIN 74-2798841 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $118K |
| DELTA DENTAL EIN 52-1479587 NONE | Claims processing Service code 12 | — | $114K |
| CENTRAL PENSION FUND OF THE IUOE EIN 36-6052390 NONE | Other services Service code 49 | — | $104K |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Consulting (general) Service code 16 | — | $86K |
| THE NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Custodial (securities) Service code 19 | — | $62K |
| CAREMARK EIN 05-0340626 NONE | Claims processing Service code 12 | — | $41K |
| MOUNT VERNON PRINTING COMPANY EIN 52-1993840 NONE | Copying and duplicating Service code 36 | — | $39K |
| WELLS FARGO CLEARNING SERVICES LLC EIN 36-4019175 NONE | Investment advisory (plan) Service code 27 | — | $34K |
| CALIBRE CPA GROUP PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | — | $28K |
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 | 4,612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 204 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. D/B/A CAREFIRST BLUECROSS BLUESHIELD | 4,013 | $33.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,013 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.