| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMITY, INC.3 | 5214F DIAMOND HEIGHTS BOULEVARD UNIT 1152 SAN FRANCISCO, CA 94131 | CAREFIRST OF MARYLAND, INC. | $14K | $107K | $121K | 15.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CAREFIRST OF MARYLAND, INC. | $293 | $16K | $16K | 2.02% |
| MATHER AND STROHL ADMINSTRATIVE5 | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | CAREFIRST OF MARYLAND, INC. | $0 | $4K | $4K | 0.45% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 7.80% |
| LUMITY, INC.3 | 5214F DIAMOND HEIGHTS BOULEVARD UNIT 1152 SAN FRANCISCO, CA 94131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 2.20% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | SUN LIFE ASSURANCE COMPANY OF CANADA | $571 | $0 | $571 | 1.10% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 30 BROAD STREET, 35TH FLOOR NEW YORK, NY 10004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $559 | $0 | $559 | 1.08% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.11% |
| ARCHON LLC3 Filed as: ARCHON, LLC | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.58% |
| LUMITY, INC.3 | 5214F DIAMOND HEIGHTS BOULEVARD UNIT 1152 SAN FRANCISCO, CA 94131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.26% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $708 | $708 | 1.49% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 113 | $809K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 44 | $52K |
| Vision | CAREFIRST OF MARYLAND, INC. | 113 | $809K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $48K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $48K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $48K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 113 | $809K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.