| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT ROAD SUITE 103 GLEN BURNIE, MD 21061 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $151K | — | $151K | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $27K | $27K | 0.08% |
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 21061 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $248K | $14K | $262K | 5.26% |
| EBCA5 Filed as: EBCA GENERAL AGENCY - GDG TPA | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $45K | — | $45K | 0.91% |
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 210612561 | VISION SERVICE PLAN | $19K | — | $19K | 4.54% |
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 21061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 21061 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | DOMINION NATIONAL | $6K | — | $6K | 7.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EDUCATORS BENEFIT SERVICES INC EIN 52-1642161 CONTRACT ADMINISTRATOR | Participant communication; Consulting (general); Sales loads (front end and deferred); Insurance agents and brokers; Insurance brokerage commissions and fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 21061 | $2.0M |
| BHS EIN 52-1306404 EAP/WELLNESSSVC PROVIDER | Other services Service code 49 | 6225 SMITH AVENUE SUITE 203 BALTIMORE, MD 21209 | $95K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ASO | Non-monetary compensation; Float revenue; Participant communication; Direct payment from the plan; Named fiduciary; Claims processing; Contract Administrator; Other services Service code 12 | — | $27K |
| DAVIDSON DOYLE & HILTON LLP EIN 54-1953476 AUDITOR | Accounting (including auditing) Service code 10 | 916 MAIN STREET LYNCHBURG, VA 24504 | $18K |
| CHUBB & SON EIN 13-2595722 INSURANCE PROVIDER | Insurance services Service code 23 | PO BOX 382001 PITTSBURGH, PA 152508001 | $15K |
| M&T BANK EIN 16-0538020 BANK | Custodial (other than securities) Service code 18 | 285 DELAWARE AVENUE 3RD FLOOR BUFFALO, NY 14202 | $11K |
| ANDERSON DAVIS & ASSOCIATES CPA PA EIN 52-1861549 ACCOUNTANT | Accounting (including auditing); Recordkeeping fees Service code 10 | 1406B CRAIN HIGHWAY SOUTH SUITE 204 GLEN BURNIE, MD 21061 | $11K |
| CIGNA | Claims processing; Float revenue; Other services; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $0 |
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 | 4,581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 193 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,774 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 6,797 | $39.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 6,797 | $34.9M |
| Vision | VISION SERVICE PLAN | 3,190 | $409K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 6,797 | $34.8M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,090 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,797 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.