| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSSMAN HURT HOFFMAN INC3 Filed as: ROSSMAN HURT HOFFMAN, INC | 3290 N RIDGE RD #300 ELLICOTT CITY, MD 21043 | HARTFORD LIFE & ACCIDENT | $19K | $3K | $22K | 114.53% |
| PATRICK HALL3 | 9724 GUDEL DR ELLICOTT CITY, MD 21043 | DEARBORN NATIONAL | $13K | $2K | $15K | 111.91% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL DBA BENEFIT MALL | 501 FAIRMONT AVE STE 400 TOWSON, MD 21042 | DEARBORN NATIONAL | $13K | $393 | $13K | 103.00% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL | 173 | $13K |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 147 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.