| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $34K | $34K | 4.20% |
| CFA LLC3 Filed as: CFA, LLC. | 1501 SOUTH CLINTON STREET 7TH FLOOR BALTIMORE, MD 21224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $26K | $26K | 3.17% |
| UMR, INC.3 | 115 WEST WAUSAU AVENUE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $5K | $5K | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UMR, INC. | $105K | $0 | $105K | 20.11% |
| CHERI HERSCHMAN3 | 702 KING FARM BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | ALL SAVERS INSURANCE COMPANY | $165 | $0 | $165 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $54 | $54 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | FIRST STOP HEALTH | $14K | $0 | $14K | 9.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42K | $0 | $42K | 34.17% |
| MJ INSURANCE3 Filed as: RANDY S SCHWARTZ AND VARIOUS AGENTS | 2015 BRODIE STREET WAUKEE, IA 50263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 10.31% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 8.63% |
| JOHN J REITH3 Filed as: JOHN J. REITH | 7010 HOMELAND COURT PRINCE FREDERICK, MD 20678 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 4.73% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.98% |
| JASON A BARE3 Filed as: JASON A. BARE | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.41% |
| TAYLORE THOMAS3 | 2808 SCENIC MEADOW STREET WALDORF, MD 20603 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 3.30% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 18.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4064 COLONY ROAD, SUITE 450 CHARLOTTE, NC 28211 | TRANSAMERICA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 18.30% |
| MJ INSURANCE3 Filed as: SUSAN L. MCCLANE AND VARIOUS AGENTS | 14 MCMULLENS WHARF PERRYVILLE, MD 21903 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRINGS DRIVE, SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.53% |
| MARK J. SCHWAIGER3 | 3905 NATIONAL DRIVE, SUITE 400 BURTONSVILLE, MD 20866 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.23% |
| TAYLOR D. THOMAS3 Filed as: TAYLOR THOMAS | 1282 SMALLWOOD DRIVE WEST WALDORF, MD 20603 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.41% |
| WESLEY K JOHNSON II3 Filed as: WESLEY K. JOHNSON II | 8 REED CIRCLE RISING SUN, MD 21911 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | LEGAL RESOURCES | $1K | $0 | $1K | 3.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 NONE | Contract Administrator Service code 13 | — | $2.6M |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Insurance services Service code 23 | — | $2.3M |
| LEVEL 2 UHC EIN 41-1321939 NONE | Insurance services Service code 23 | — | $656K |
| UMR, INC. EIN 39-1995276 NONE | Contract Administrator Service code 13 | — | $375K |
| OPERATING ENG LOCAL 37 CLEAR. EIN 52-6039006 OTHER INS EXP | Other insurance fees and expenses Service code 73 | — | $313K |
| GOVERNMENT SERVICE ADMIN. EIN 92-0466827 RECORDKEEPING | Recordkeeping fees Service code 64 | — | $199K |
| CARROT FERTILITY, INC. EIN 81-1995709 INSURANCE AGENT | Insurance services Service code 23 | — | $55K |
| LIVONGO HEALTH, INC. EIN 26-3542036 INSURANCE AGENT | Insurance services Service code 23 | — | $45K |
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 | 1,293 | 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) | 1,293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UMR, INC. | 1,293 | $520K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,023 | $253K |
| Vision | VISION SERVICE PLAN | 639 | $53K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 993 | $270K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 242 | $158K |
| Long-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 359 | $176K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 915 | $1.3M |
| Other(5 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 1,293 | $530K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,293 | — |
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.