| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERIC A METZMAN3 | 9881 BROKEN LAND PKWY COLUMBIA, MD 210463014 | C.M. LIFE INSURANCE COMPANY | $142 | — | $142 | — |
| WILLIAM EDWARD THOMPSON II3 | 11350 MCCORMICK RD HUNT VALLEY, MD 210311002 | C.M. LIFE INSURANCE COMPANY | $71 | — | $71 | — |
| M HOLDINGS SECURITIES INC.3 Filed as: M HOLDINGS SECURITIES INC | 1125 NW COUCH ST STE 900 PORTLAND, OR 972094129 | MML BAYSTATE LIFE INSURANCE COMPANY | $0 | — | $0 | — |
| METZMAN ERIC A3 | 8178 LARK BROWN RD STE 201 ELKRIDGE, MD 210756424 | MML BAYSTATE LIFE INSURANCE COMPANY | $0 | — | $0 | — |
| THOMPSON WILLIAM EDWARD II3 | 11350 MCCORMICK RD HUNT VALLEY, MD 210311002 | MML BAYSTATE LIFE INSURANCE COMPANY | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARYLAND CAPITAL MANAGEMENT EIN 20-1819985 NONE | Investment advisory (participants); Direct payment from the plan Service code 26 | — | $8K |
| SCHWAB RETIREMENT PLAN SERVICES, IN EIN 34-1479833 NONE | Recordkeeping fees; Investment advisory (participants); Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $8K |
| CHARLES SCHWAB & CO., INC. EIN 94-1737782 NONE | Securities brokerage; Direct payment from the plan; Shareholder servicing fees; Other investment fees and expenses; Securities brokerage commissions and fees; Float revenue Service code 33 | — | $7K |
| CAMBRIDGE INVESTMENT RESEARCH EIN 20-1665305 NONE | Direct payment from the plan; Investment advisory (participants) Service code 26 | — | $5K |
| CHARLES SCHWAB & CO AND AFFILIATES | Shareholder servicing fees Service code 59 | — | $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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 2 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other(2 contracts, 2 carriers) | C.M. LIFE INSURANCE COMPANY | 23 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23 | — |
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.