| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND - HUNT VALLEY | 225 SCHILLING CIRCLE, #150 HUNT VALLEY, MD 21031 | GHMSI / CAREFIRST BLUECHOICE | — | $85 | $85 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 6711 COLUMBIA GATEWAY DRIVE, #450 COLUMBIA, MD 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $9K | $9K | 4.90% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S. 8TH STREET, #700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $69 | $69 | 0.06% |
| WILLS OF MARYLAND3 Filed as: WILLS OF MARYLAND, INC. | P. O. BOX 13784 NEWARK, CA 071880001 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$168 | -$168 | -0.15% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 6711 COLUMBIA GATEWAY DRIVE, #450 COLUMBIA, MD 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 4.90% |
| HAYS COMPANIES, INC.3 Filed as: HAY COMPANIES | 6711 COLUMBIA GATEWAY DRIVE, #450 COLUMBIA, ME 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 4.93% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 6711 COLUMBIA GATEWAY DRIVE, #450 COLUMBIA, MD 21046 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $229 | $229 | 4.89% |
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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI / CAREFIRST BLUECHOICE | 393 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 458 | $109K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 205 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $51K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 304 | $96K |
| Prescription drug | GHMSI / CAREFIRST BLUECHOICE | 393 | $2.3M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 416 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.