| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATHER & STROHL ADMIN SVCS INC5 Filed as: MATHER & STROHL | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | CAREFIRST BLUE CHOICE | — | $8K | $8K | 0.85% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 7200 BANK COURT FREDERICK, MD 21703 | CAREFIRST BLUE CHOICE | — | $7K | $7K | 0.67% |
| BB&T INSURANCE SERVICES, INC.3 | 7200 BANK COURT FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $899 | $6K | 13.38% |
| BB&T - FREDERICK UNDERWRITERS3 | 7200 BANK COURT FREDERICK, MD 21703 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 5.67% |
| BB&T - BLUE RIDGE BURKE3 Filed as: BB&T- BLUE RIDGE BURKE | P. O. BOX 168 WINSTON-SALEM, NC 27102 | UNION SECURITY INSURANCE COMPANY | — | $925 | $925 | 2.40% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 7200 BANK COURT FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $499 | $5K | 16.75% |
| BB&T - FREDERICK UNDERWRITERS3 | 7200 BANK COURT FREDERICK, MD 21703 | UNION SECURITY INSURANCE COMPANY | $1K | $597 | $2K | 15.00% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUE CHOICE | 177 | $976K |
| Dental | UNION SECURITY INSURANCE COMPANY | 50 | $39K |
| Vision | UNION SECURITY INSURANCE COMPANY | 50 | $39K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $49K |
| Prescription drug | CAREFIRST BLUE CHOICE | 177 | $976K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.