| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VINTON INSURANCE SERVICES3 Filed as: VINTON INSURANCE SERVICES INC. | 21 WEST ROAD, SUITE 105 TOWSON, MD 21204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $887 | $74K | $75K | 3.38% |
| CORPORATE COVERAGE LLC3 | 2219 YORK ROAD, SUITE 302 TIMONIUM, MD 21093 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $418 | $37K | $37K | 1.67% |
| CORPORATE COVERAGE LLC3 | 2219 YORK ROAD, SUITE 302 TIMONIUM, MD 21093 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 6.23% |
| VINTON INSURANCE SERVICES3 Filed as: VINTON INSURANCE SERVICES INC. | 21 WEST ROAD, SUITE 105 TOWSON, MD 21204 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 4.73% |
| VINTON INSURANCE SERVICES3 Filed as: VINTON INSURANCE SERVICES INC. | 21 WEST ROAD, SUITE 105 TOWSON, MD 21204 | CAREFIRST OF MARYLAND, INC. | $1K | $2K | $3K | 4.39% |
| CORPORATE COVERAGE LLC3 | 2219 YORK ROAD, SUITE 302 TIMONIUM, MD 21093 | CAREFIRST OF MARYLAND, INC. | $667 | $952 | $2K | 2.30% |
| VINTON INSURANCE SERVICES5 Filed as: VINTON INSURANCE SERVICES INC. | 21 WEST ROAD, SUITE 105 TOWSON, MD 21204 | CAREFIRST OF MARYLAND, INC. | $0 | $1K | $1K | 2.05% |
| CORPORATE COVERAGE LLC5 | 2219 YORK ROAD, SUITE 302 TIMONIUM, MD 21093 | CAREFIRST OF MARYLAND, INC. | $0 | $353 | $353 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Participant communication; Float revenue; Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $10K |
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 | 316 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 196 | $2.2M |
| Dental | CAREFIRST OF MARYLAND, INC. | 316 | $70K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 196 | $2.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 249 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.