| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL INC | 11311 MCCORMICK ROAD 5TH FLOOR HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE | $51K | $19K | $70K | 2.73% |
| AARON C. DAVIS3 | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | HEALTHKEEPERS, INC. | $14K | — | $14K | 3.16% |
| NEXTLOGICAL BENEFIT STRATEGIES LLC3 | 377 N TANNERY RD WESTMINSTER, MD 211576382 | METROPOLITAN LIFE INSURANCE COMPANY | — | $80 | $80 | 0.03% |
| AARON C. DAVIS3 Filed as: AARON C DAVIS | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | ANTHEM PLANS OF VIRGINIA, INC. | — | — | $0 | — |
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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAREFIRST BLUECHOICE | 345 | $3.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 621 | $232K |
| Vision(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 94 | $451K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 621 | $312K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 621 | $312K |
| Prescription drug | CAREFIRST BLUECHOICE | 345 | $2.6M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 621 | $312K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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.