| 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 | $1K | — | $1K | 0.05% |
| VINTON INSURANCE SERVICES3 Filed as: VINTON INSURANCE SERVICES INC. | 21 WEST ROAD, SUITE 105 TOWSON, MD 21204 | CAREFIRST OF MARYLAND, INC. | $5K | $438 | $5K | 5.46% |
| VINTON INSURANCE SERVICES5 Filed as: VINTON INSURANCE SERVICES INC. | 21 WEST ROAD, SUITE 105 TOWSON, MD 21204 | CAREFIRST OF MARYLAND, INC. | — | $2K | $2K | 2.26% |
| VINTON INSURANCE SERVICES3 Filed as: VINTON INSURANCE SERVICES INC. | 21 WEST ROAD, SUITE 105 TOWSON, MD 21204 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 20.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 100.00% |
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 | 306 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 330 | $3.0M |
| Dental | CAREFIRST OF MARYLAND, INC. | 301 | $95K |
| Vision | AETNA LIFE INSURANCE COMPANY | 330 | $3.0M |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 251 | $68K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 251 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.