| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITMALL3 Filed as: BENEFITMALL.COM | 501 FAIRMOUNT AVE., STE. 400 TOWSON, MD 21286 | HIGHMARK DELAWARE | $64K | — | $64K | 3.25% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS COMPANY | 400 BERWYN PARK BERWYN, PA 19312 | HIGHMARK DELAWARE | $631 | — | $631 | 0.03% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 4.59% |
| H & M FINANCIAL GROUP3 | 18 REGENCY PLAZA, STE. 2 GLEN MILLS, PA 19342 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.02% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK DELAWARE | 187 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 315 | $370K |
| Vision | HIGHMARK DELAWARE | 187 | $2.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 315 | $370K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 315 | $370K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 315 | $370K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 315 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
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.