| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 | 6903 ROCKLEDGE DRIVE SUITE 950 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE | $21K | $7K | $27K | 6.58% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER & STROHL | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | CAREFIRST BLUECHOICE | — | $6K | $6K | 1.44% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 8.45% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVE S229 WHITE PLAINS, NY 10604 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 4851 LBJ FWY STE 1100 DALLAS, TX 75244 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3 | $3 | 0.00% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | VISION SERVICE PLAN | $756 | — | $756 | 7.43% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 4851 LBJ FWY STE 1100 DALLAS, TX 75244 | VISION SERVICE PLAN | $509 | — | $509 | 5.00% |
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 | 58 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 58 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 43 | $417K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 65 | $117K |
| Vision | VISION SERVICE PLAN | 55 | $10K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 65 | $117K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 65 | $117K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 65 | $117K |
| Prescription drug | CAREFIRST BLUECHOICE | 43 | $417K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 65 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 65 | — |
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.
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.