| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE COVERAGE LLC3 | 2219 YORK ROAD LUTHERVILLE, MD 210933231 | UNITEDHEALTHCARE INSURANCE COMPANY | $98K | — | $98K | 5.04% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC. | 1 KELLY WAY SPARKS, MD 211529484 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 1.43% |
| CORPORATE COVERAGE LLC | 2219 YORK ROAD TIMONIUM, MD 21093 | DOMINION NATIONAL F/K/A DENTAQUEST | $6K | — | $6K | 7.53% |
| CORPORATE COVERAGE LLC3 | 2219 YORK ROAD STE 301 TIMONIUM, MD 21093 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 11.78% |
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 | 319 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 319 | $1.9M |
| Dental | DOMINION NATIONAL F/K/A DENTAQUEST | 159 | $75K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 319 | $1.9M |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 246 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.