| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | CAREFIRST BLUECHOICE INC. / GROUP HOSPITALIZATION MEDICAL SERVICES INC | $22K | $14K | $35K | 4.72% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVE., STE. 104 TOWSON, MD 21204 | CAREFIRST BLUECHOICE INC. / GROUP HOSPITALIZATION MEDICAL SERVICES INC | $0 | $8K | $8K | 1.11% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 18201 VON KARMAN AVENUE SUITE 1020 IRVINE, CA 92612 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.81% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $243 | $0 | $243 | 0.59% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC. | 80 S 8TH ST., STE. 700 MINNEAPOLIS, MN 55402 | THE STANDARD INSURANCE COMPANY | $702 | $0 | $702 | 8.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY & SHILLING INC | 15200 OMEGA DR. #100 ROCKVILLE, MD 20850 | THE STANDARD INSURANCE COMPANY | $64 | $0 | $64 | 0.79% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE INC. / GROUP HOSPITALIZATION MEDICAL SERVICES INC | 71 | $746K |
| Dental | CAREFIRST BLUECHOICE INC. / GROUP HOSPITALIZATION MEDICAL SERVICES INC | 71 | $746K |
| Vision | CAREFIRST BLUECHOICE INC. / GROUP HOSPITALIZATION MEDICAL SERVICES INC | 71 | $746K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 69 | $8K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $50K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $50K |
| Prescription drug | CAREFIRST BLUECHOICE INC. / GROUP HOSPITALIZATION MEDICAL SERVICES INC | 71 | $746K |
| Other | DIRECTPATH | 65 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.