| 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. | — | $70K | $70K | 7.15% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE, INC. | — | $22K | $22K | 2.23% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY | $11K | $5K | $16K | 14.38% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA INSURANCE COMPANY | $9K | $4K | $13K | 20.83% |
| BENEFIT MALL3 Filed as: BENEFIT MALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 20.50% |
| BENEFIT MALL3 Filed as: BENEFIT MALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE 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 | $6K | $2K | $8K | 20.69% |
| BENEFIT MALL3 Filed as: BENEFIT MALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.92% |
| MARY THERESA FISHER3 | 898 UNION CHURCH ROAD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $715 | — | $715 | 11.29% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $383 | — | $383 | 6.05% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | FOUR EVER LIFE INSURANCE COMPANY | $728 | — | $728 | 15.01% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: CAREFIRST BLUE CROSS BLUE SHIELD | POBOX 789367 PHILADELPHIA, PA 19178 | FOUR EVER LIFE INSURANCE COMPANY | — | $194 | $194 | 4.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $670 | $228 | $898 | 20.11% |
| BENEFIT MALL3 Filed as: BENEFIT MALL INC | 501 FAIRMOUNT AVE STE 400 HUNT VALLEY, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $134 | $134 | 3.00% |
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 | 218 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 165 | $974K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 170 | $112K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 131 | $15K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 176 | $67K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $49K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 165 | $974K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA INSURANCE COMPANY | 218 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.