| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 500 EAST PRATT STREET BALTIMORE, MD 21202 | GHMSI/CARE FIRST BLUE CHOICE | $22 | $57K | $57K | 2.86% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | GHMSI/CARE FIRST BLUE CHOICE | — | $11K | $11K | 0.56% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | GHMSI/CARE FIRST BLUE CHOICE | — | $6K | $6K | 0.32% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | GHMSI/CARE FIRST BLUE CHOICE | — | $3K | $3K | 0.16% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $77 | $15K | 9.97% |
| BENEFIT DESIGN GROUP INC5 | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 212041303 | METROPOLITAN LIFE INSURANCE COMPANY | -$22 | $3K | $3K | 1.98% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.26% |
| AON CONSULTING INC3 | 29830 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $505 | $505 | 0.33% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $2K | — | $2K | 6.00% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI/CARE FIRST BLUE CHOICE | 291 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 131 | $155K |
| Vision | VISION SERVICE PLAN | 126 | $27K |
| Prescription drug | GHMSI/CARE FIRST BLUE CHOICE | 291 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.