| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | PO BOX 13784 NEWARK, NJ 07188 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES | $5K | $11K | $15K | 0.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 307 INTERNATIONAL CIRCLE, SUITE 400 HUNT VALLEY, MD 21030 | DELTA DENTAL OF PENNSYLVANIA | $31K | — | $31K | 8.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 225 SCHILLING CIRCLE, STE 150 ATTN MERCY JAMES HUNT VALLEY, MD 21030 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $33K | $3K | $37K | 15.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 225 SCHILLING CIRCLE, STE 150 ATTN MERCY JAMES HUNT VALLEY, MD 21030 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $20K | $2K | $22K | 16.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 225 SCHILLING CIRCLE, STE 150 ATTN MERCY JAMES HUNT VALLEY, MD 21030 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $14K | $1K | $15K | 16.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | 307 INTERNATIONAL CIRCLE, 4TH FLOOR COCKEYSVILLE, MD 21030 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 13.00% |
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 | 586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES | 318 | $1.6M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 648 | $367K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 862 | $69K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 903 | $231K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 808 | $136K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 808 | $94K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 903 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 903 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.