| 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. | — | $46K | $46K | 2.76% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER AND STROHL ADMIN. SERVICES | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | — | $8K | $8K | 0.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 540 FORT EVANS ROAD NE SUITE 301 LEESBURG, VA 20176 | CAREFIRST BLUECHOICE, INC. | — | $8K | $8K | 0.46% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER AND STROHL ADMIN. SERVICES | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $8K | $3K | $11K | 16.47% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 1203 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $2K | $144 | $2K | 2.82% |
| WORKFORCE CONCEPTS LLC3 | 3792 TIMAHOE CIRCLE NOTTINGHAM, MD 21236 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 2.12% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $367 | — | $367 | 0.56% |
| FOUNDATIONRISK PARTNERS, CORP3 | 400 NORTH PONCE DEL LEON BOULEVARD SAINT AUGUSTINE, FL 32084 | HARTFORD LIFE AND ACCIDENT | — | $26 | $26 | 0.04% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 1203 HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORPORATION | $967 | $122 | $1K | 7.70% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORPORATION | $202 | — | $202 | 1.43% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD STE 1203 HUNT VALLEY, MD 21031 | ALPHA DENTAL PROGRAMS, INC. | $190 | — | $190 | 2.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | ALPHA DENTAL PROGRAMS, INC. | $85 | — | $85 | 1.01% |
| BENEFIT MALL3 | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | ALPHA DENTAL PROGRAMS, INC. | $65 | — | $65 | 0.77% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES INC | 9690 DEERECO ROAD SUITE 650 TIMONIUM, MD 21093 | TRANSAMERICA LIFE INSURANCE COMPANY | $40 | — | $40 | 3.98% |
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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 127 | $1.7M |
| Dental | ALPHA DENTAL PROGRAMS, INC. | 18 | $8K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 105 | $14K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 304 | $67K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 304 | $66K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 304 | $66K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 127 | $1.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 304 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.