| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $57K | $57K | 3.50% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $33K | $33K | 2.00% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.14% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE, STE. 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| PROSENTAL BENEFITS LLC3 | 100 STONEWALL BLVD WRENTHAM, MA 02093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $359 | $359 | 1.08% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL,INC. | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.78% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE, STE. 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $960 | $960 | 3.00% |
| PROSENTIAL BENEFITS LLC3 | 100 STONEWALL BLVD STE 1 WRENTHAM, MA 02093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $312 | $312 | 0.97% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 20.92% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $682 | $682 | 3.00% |
| PROSENTIAL BENEFITS LLC3 | 100 STONEWALL BLVD STE 1 WRENTHAM, MA 02093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $226 | $226 | 0.99% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | HIGHMARK DELAWARE | $810 | — | $810 | 3.58% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE AND FINANCIAL PARTNER | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | HIGHMARK DELAWARE | $163 | — | $163 | 0.72% |
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 | 266 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 184 | $1.7M |
| Vision | HIGHMARK DELAWARE | 144 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $32K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.