| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES V. CAMPBELL3 Filed as: JAMES E COUNTS | 713 COLLEGE PKWY ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | $126 | $27K | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $375 | $22K | 2.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $4K | $20K | 1.94% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $988 | $4K | 18.98% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $894 | $3K | 15.27% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $648 | $3K | 20.24% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $301 | $301 | 5.00% |
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 | 127 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.0M |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $19K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $18K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $20K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.0M |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.