| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 111 S. CALVERT STREET SUITE 2010 BALTIMORE, MD 21202 | CAREFIRST OF MARYLAND, INC | — | $62K | $62K | 4.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $8K | $59 | $8K | 5.50% |
| PAUL STANLEY JR3 Filed as: PAUL J STANLEY | SAGS JOINT VENTURES LLC 5264 INTERNATIONAL BLVD #200B NORTH CHARLESTON, SC 29418 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 5.46% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.66% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | HARTFORD LIFE AND ACCIDENT | — | $185 | $185 | 0.12% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | $30 | $30 | 0.02% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 6.61% |
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 | 146 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC | 238 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $83K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $83K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 286 | $149K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 286 | $149K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 286 | $149K |
| Prescription drug | CAREFIRST OF MARYLAND, INC | 238 | $1.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 286 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.