| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW T GILMORE3 | 5 CLARENDON ROAD SCARSDALE, NY 10583 | CAREFIRST BLUECHOICE, INC. | — | $48K | $48K | 6.24% |
| AP BENEFIT ADVISORS, LLC5 Filed as: AP BENEFIT ADVISORS, LLC. | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | — | $9K | $9K | 1.23% |
| MATTHEW T GILMORE3 | 1 BRIDGE ST STE 59 IRVINGTON, NY 10533 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 6.70% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 4.50% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 113 | $764K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $152K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $152K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $152K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $152K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 113 | $764K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.