| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 0.46% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 2.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SERV WEST | 801 S FIGUEROA STREET STE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.02% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 5.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 214 NORTH TYRON STREET SUITE 2500 CHARLOTTE, NC 282022381 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 4.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | HEARST TOWER 214 N TRYON ST STE 2500 CHARLOTTE, NC 28202 | AMERITAS LIFE INSURANCE CORPORATION | — | $398 | $398 | 1.12% |
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 | 370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 370 | $3.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 273 | $3.5M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 208 | $36K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 370 | $199K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 370 | $199K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 370 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.