| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIE INC3 | 22 WEST PENNSYLVANIA AVENUE 2ND FLOOR BEL AIR, MD 21014 | CAREFIRST BLUECHOICE, INC. | — | $74K | $74K | 3.50% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | — | $15K | $15K | 0.70% |
| MAHER & STROHL ADMIN SVCS INC3 | 12404 PARK CENTRAL SUITE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $36K | $5K | $41K | 23.00% |
| MATHER BENEFIT ADMINISTRATORS, LLC3 | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $5K | $16K | 12.00% |
| P I E INC3 | PO BOX 575 BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 16.35% |
| PIE INC3 Filed as: PIE, INC. | PO BOX 575 BEL AIR, MD 21014 | FIDELITY SECUIRTY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.01% |
| P I E INC3 | PO BOX 575 BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.52% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 145 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $136K |
| Vision | FIDELITY SECUIRTY LIFE INSURANCE COMPANY | 252 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 307 | $178K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 307 | $178K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 145 | $2.1M |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 307 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.