| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS LLC | 1120 C PROFESSIONAL CT STE C HAGERSTOWN, MD 21740 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $262K | $262K | 15.65% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS LLC | 3700 KOPPERS STREET STE 510 BALTIMORE, MD 21227 | GUARDIAN | $48K | $7K | $55K | 14.11% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSUR AND FINAN. SERV. | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 752511814 | GUARDIAN | $7K | — | $7K | 1.78% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS LLC | — | DELTA DENTAL OF PENNSYLVANIA | $12K | — | $12K | 5.00% |
| BENEFITMALL3 | — | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 0.84% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS LLC | 1120 C PROFESSIONAL CT HAGERSTOWN, MD 21740 | VISION SERVICE PLAN | $2K | — | $2K | 3.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 752511803 | VISION SERVICE PLAN | $2K | — | $2K | 2.49% |
| RISK STRATEGIES COMPANY3 Filed as: BLUE RIDGE RISK PARTNERS LLC | 3922 VERO RD. STE H BALTIMORE, MD 21227 | UNITEDHEALTHCARE INSURANCE COMPANY | $436 | — | $436 | 10.01% |
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 | 328 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 668 | $1.7M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 697 | $234K |
| Vision | VISION SERVICE PLAN | 277 | $62K |
| Life insurance | GUARDIAN | 396 | $391K |
| Short-term disability | GUARDIAN | 396 | $391K |
| Long-term disability | GUARDIAN | 396 | $391K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 396 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
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.