| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE INC | — | $30K | $30K | 1.02% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED CONCORDIA INSURANCE COMPANY | $6K | $13K | $18K | 15.76% |
| ASSUREDPARTNERS3 Filed as: GROUP BENEIFT SERVICES INC | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $3K | $15K | 12.50% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $6K | 12.50% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | NGL | $876 | — | $876 | 5.00% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $995 | $249 | $1K | 10.81% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED CONCORDIA DENTAL PLANS INC | $479 | $973 | $1K | 15.10% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE INC | 150 | $3.0M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 132 | $127K |
| Vision | NGL | 187 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 237 | $117K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $45K |
| Prescription drug | CAREFIRST BLUECHOICE INC | 150 | $3.0M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 237 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.