| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC.-HUNT VALLEY | 225 SCHILLING CIRCLE, STE 150 HUNT VALLEY, MD 21031 | CAREFIRST BLUE CHOICE | $32K | $10K | $42K | 4.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MD, INC. | 12505 PARK POTOMAC AVENUE, STE 300 POTOMAC, MD 20854 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 4.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 303 INTERNATIONAL DRIVE HUNT VALLEY, MD 21030 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 071880784 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $131 | $1K | 12.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MD | 225 SCHILLING CIRCLE, STE 150 HUNT VALLEY, MD 21031 | ARAG INSURANCE COMPANY | $192 | — | $192 | 5.01% |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUE CHOICE | 182 | $916K |
| Dental | DELTA DENTAL OF VIRGINIA | 179 | $80K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 102 | $13K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12 | $10K |
| Prescription drug | CAREFIRST BLUE CHOICE | 182 | $916K |
| Other | ARAG INSURANCE COMPANY | 24 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.