| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CAREFIRST BLUECHOICE, INC. | $2K | $38K | $40K | 3.84% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | — | $15K | $15K | 1.43% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $307 | $6K | 15.75% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.46% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVENUE SUITE 300 TOWSON, MD 21204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $724 | — | $724 | 4.54% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $109 | $2K | 15.75% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 115 | $1.0M |
| Dental | CAREFIRST BLUECHOICE, INC. | 115 | $1.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $56K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 39 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $41K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 115 | $1.0M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.