| 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 | AETNA LIFE INSURANCE COMPANY | $13K | $8K | $21K | 0.83% |
| VINTON INSURANCE SERVICES3 Filed as: VINTON INSURANCE SERVICES INC. | 2219 YORK ROAD TIMONIUM, MD 21093 | AETNA LIFE INSURANCE COMPANY | $129 | $0 | $129 | 0.01% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $3K | $11K | 12.07% |
| VINTON INSURANCE SERVICES3 Filed as: VINTON INSURANCE SERVICES INC. | 21 WEST ROAD, SUITE 105 TOWSON, MD 21204 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.74% |
| VINTON INSURANCE SERVICES3 Filed as: VINTON INSURANCE SERVICES INC. | 21 WEST ROAD, SUITE 105 TOWSON, MD 21204 | CAREFIRST OF MARYLAND, INC. | $4K | $470 | $5K | 5.56% |
| VINTON INSURANCE SERVICES5 Filed as: VINTON INSURANCE SERVICES INC. | 21 WEST ROAD, SUITE 105 TOWSON, MD 21204 | CAREFIRST OF MARYLAND, INC. | $0 | $2K | $2K | 2.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VINTON INSURANCE SERVICES INC. BROKER | Contract Administrator; Claims processing; Named fiduciary Service code 12 | 2219 YORK ROAD TIMONIUM, MD 21093 | $119K |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 584 | $2.5M |
| Dental | CAREFIRST OF MARYLAND, INC. | 310 | $83K |
| Vision | AETNA LIFE INSURANCE COMPANY | 584 | $2.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 226 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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.
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.