| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE, INC. | $3K | $48K | $52K | 5.48% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE, INC. | — | $12K | $12K | 1.27% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.58% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA INSURANCE COMPANY | $6K | $659 | $7K | 16.52% |
| BENEFIT MALL3 Filed as: BENEFIT MALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $496 | $5K | 16.53% |
| BENEFIT MALL3 Filed as: BENEFIT MALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $973 | $973 | 3.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $418 | $4K | 16.54% |
| BENEFIT MALL3 Filed as: BENEFIT MALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $815 | $815 | 3.00% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL & INSURANCE PARTNERS | 11311 MCCORMICK RD STE 400 HUNT VALLEY, MD 21031 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $881 | — | $881 | 9.92% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | FOUR EVER LIFE INSURANCE COMPANY | $667 | — | $667 | 15.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: CAREFIRST BLUE CROSS BLUE SHIELD | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | FOUR EVER LIFE INSURANCE COMPANY | — | $178 | $178 | 4.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $383 | $47 | $430 | 16.84% |
| BENEFIT MALL3 Filed as: BENEFIT MALL INC | 501 FAIRMOUNT AVE STE 400 HUNT VALLEY, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $77 | $77 | 3.02% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 126 | $947K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 127 | $67K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 88 | $9K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 154 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $32K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 126 | $947K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 154 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.