Sign up free to preview 5 contract rows with premium, retention, and renewal dates
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview commissions and fees for 7 broker rows
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 NONE | Other services; Claims processing; Plan Administrator; Insurance services Service code 12 | 1501 S. CLINTON ST 7TH FLOOR BALIMORE, MD 21224 | $363K |
| EMPLOYEE ONE BENEFIT SOLUTION EIN 20-8205286 NONE | Insurance agents and brokers Service code 22 | 145 W OSTEND ST SUITE 200 BALTIMORE, MD 21230 | $30K |
| CONIFER VALUE-BASED CARE EIN 52-1964905 NONE | Other services Service code 49 | — | $507 |
| OPTUMHEALTH SPECIALTY BENE EIN 52-1996029 NONE | Other services Service code 49 | — | -$869 |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 227 | $88K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 240 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 120 | $26K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 119 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.