| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM M SPENCE3 Filed as: WILLIAM SPENCE | 10206 GLOBE DRIVE SUITE 1700 ELLICOTT CITY, MD 21042 | CAREFIRST BLUECHOICE, INC. | $5K | $58K | $63K | 4.99% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMIN SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | — | $17K | $17K | 1.37% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $7K | 9.41% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE & FNCL PTNRS LLC | 11311 MCCORMICK RD # 500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.65% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.93% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE & FNCL PTNRS LLC | 11311 MCCORMICK RD # 500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $702 | $702 | 1.65% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $4K | 13.34% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE & FNCL PTNRS LLC | 11311 MCCORMICK RD # 500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $450 | $450 | 1.62% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MARK SPENCE | 10206 GLOBE DR ELLICOTT CITY, MD 210422109 | VISION SERVICE PLAN | $1K | — | $1K | 6.02% |
| PSA FINANCIAL, INC.3 Filed as: PSA INSURANCE | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | HEALTHIEST YOU | $1K | — | $1K | 7.50% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM MARK SPENCE | 10206 GLOBE DRIVE ELLICOTT CITY, MD 21042 | HEALTHIEST YOU | $1K | — | $1K | 7.50% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $655 | $3K | 20.71% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE & FNCL PTNRS LLC | 11311 MCCORMICK RD # 500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $221 | $221 | 1.65% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 381 | $1.3M |
| Dental | CAREFIRST BLUECHOICE, INC. | 381 | $1.3M |
| Vision | VISION SERVICE PLAN | 159 | $17K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $41K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $70K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $43K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 381 | $1.3M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.