| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MD-HUNT VALLEY | 225 SCHILLING CIRCLE SUITE 150 HUNT VALLEY, MD 21031 | GHMSI | $81K | $44K | $126K | 1.96% |
| MERCER HEALTH AND BENEFITS, LLC5 | 120 E. BALTIMORE STREET, 20TH FLOOR BALTIMORE, MD 21202 | GHMSI | $62K | — | $62K | 0.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND-HUNT VALLEY | 225 SCHILLING CIRCLE SUITE 150 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE | $7K | — | $7K | 1.37% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 6.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 303 INTERNATIONAL CIR STE 400 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.65% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 6.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 303 INTERNATIONAL CIR STE 400 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.62% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 6.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 303 INTERNATIONAL CIR STE 400 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.63% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 6.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH | 12505 PARK POTOMAC AVENUE POTOMAC, MD 20854 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 3.38% |
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 | 510 | 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) | 510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 1,329 | $6.4M |
| Dental | CAREFIRST BLUECHOICE | 512 | $530K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 978 | $47K |
| Life insurance | STANDARD INSURANCE COMPANY | 536 | $115K |
| Short-term disability | STANDARD INSURANCE COMPANY | 536 | $107K |
| Long-term disability | STANDARD INSURANCE COMPANY | 536 | $89K |
| Prescription drug | GHMSI | 1,329 | $6.4M |
| Other | STANDARD INSURANCE COMPANY | 536 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,329 | — |
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.