| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 1203 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE, INC. | $0 | $50K | $50K | 3.70% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER AND STROHL ADMIN. SERVICES | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | $0 | $15K | $15K | 1.11% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER AND STROHL ADMIN. SERVICES | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $15K | $2K | $17K | 20.76% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: L WARNER COMPANIES INC | 9690 DEERECO ROAD, SUITE 650 TIMONIUM, MD 21093 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 2.67% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 1203 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 2.67% |
| FOUNDATIONRISK PARTNERS, CORP3 | 400 NORTH PONCE DEL LEON BOULEVARD SAINT AUGUSTINE, FL 32084 | HARTFORD LIFE AND ACCIDENT | $0 | $169 | $169 | 0.21% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 1203 HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 8.65% |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 130 | $1.4M |
| Dental | ALPHA DENTAL PROGRAMS, INC. | 26 | $9K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 222 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 307 | $82K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 307 | $82K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 130 | $1.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 307 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.