| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK HEALTH SERVICES CORP3 | ATTN STEVEN MURFIN 470 PROSPECT BLVD FREDERICK, MD 21701 | AETNA LIFE INSURANCE COMPANY | $68K | $0 | $68K | 11.02% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INS GROUP LLC | 2330 W JOPPA ROAD STE 311 LUTHERVILLE, MD 21093 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.01% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | ATTN SAMANTHA DAVIDSON 1120 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.20% |
| FREDERICK HEALTH SERVICES CORP3 | 470 PROSPECT STREET FREDERICK, MD 21701 | AMERITAS LIFE INSURANCE CORP | $15K | $0 | $15K | 5.00% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DR STE 303 BALTIMORE, MD 21209 | AMERITAS LIFE INSURANCE CORP | $0 | $0 | $0 | 0.00% |
| MERITAIN HEALTH3 Filed as: AETNA INSURANCE COMPANY | PO BOX 981106 EL PASO, TX 79998 | MERITUS INSURANCE COMPANY LTD | $46K | $865K | $910K | — |
| MERITUS INSURANCE COMPANY LTD3 | 11116 MEDICAL CAMPUS ROAD HAGERSTOWN, MD 21742 | MERITUS INSURANCE COMPANY LTD | $0 | $863K | $863K | — |
| DOCTORS DIRECT HEALTHCARE3 | 401 HARRISON OAKS BLVD SUITE 120 CARY, NC 27513 | MERITUS INSURANCE COMPANY LTD | $0 | $455K | $455K | — |
| DISCOVERY BENEFITS3 | PO BOX 9528 FARGO, ND 58106 | MERITUS INSURANCE COMPANY LTD | $0 | $44K | $44K | — |
| DELTAL DENTAL OF NEW YORK, INC.3 Filed as: DELTAL DENTAL OF PENNSYLVANIA | ONE DELTA DRIVE MECHANICSBURG, PA 17055 | DELTA DENTAL | $0 | $91K | $91K | — |
| FREDERICK HEALTH SERVICES CORP3 | 470 PROSPECT BLVD FREDERICK, MD 21701 | DELTA DENTAL | $10K | $0 | $10K | — |
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 | 1,761 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITUS INSURANCE COMPANY LTD | 1,761 | $0 |
| Dental | DELTA DENTAL | 1,761 | $0 |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,640 | $291K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 2,446 | $619K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 2,446 | $619K |
| Prescription drug | MERITUS INSURANCE COMPANY LTD | 1,761 | $0 |
| Stop-loss / reinsurancereinsurance | MERITUS INSURANCE COMPANY LTD | 1,761 | $0 |
| Other | AETNA LIFE INSURANCE COMPANY | 2,446 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,446 | — |
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.