| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCQUADE CONSULTING LLC3 Filed as: MCQUADE CONSULTING | 720 S. MONTFORD AVE BALTIMORE, MD 21224 | CAREFIRST/BLUECHOICE | $57K | $92 | $57K | 3.27% |
| MCQUADE CONSULTING LLC3 Filed as: MCQUADE CONSULTING | 720 S. MONTFORD AVE BALTIMORE, MD 21224 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 11.42% |
| MCQUADE CONSULTING LLC5 Filed as: MCQUADE CONSULTING | 720 S. MONTFORD AVE, SUITE 200 BALTIMORE, MD 21224 | ALPHA DENTAL PROGRAMS | $0 | $0 | $0 | 0.00% |
| MCQUADE CONSULTING LLC5 Filed as: MCQUADE CONSULTING | 720 S. MONTFORD AVE BALTIMORE, MD 21224 | DELTA DENTAL OF PENNSYLVANIA | $0 | $0 | $0 | 0.00% |
| MCQUADE CONSULTING LLC5 Filed as: MCQUADE CONSULTING | 720 S. MONTFORD AVE BALTIMORE, MD 21224 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 499 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST/BLUECHOICE | 258 | $1.7M |
| Dental(2 contracts, 2 carriers) | ALPHA DENTAL PROGRAMS | 239 | $87K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 282 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 49 | $170K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 49 | $170K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 49 | $170K |
| Prescription drug | CAREFIRST/BLUECHOICE | 258 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.