| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | AETNA HEALTH, INC | — | $69K | $69K | 2.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR DALLAS, TX 75251 | AETNA HEALTH, INC | $20K | — | $20K | 0.80% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SER | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | UNITED CONCORDIA INSURANCE COMPANY | $5K | $3K | $9K | 5.47% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SVC | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 17.33% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 17.44% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SVC | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $19K | $19K | 26.17% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 13.40% |
| BENEFITMALL3 Filed as: BENEFITMALL- MD | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | $679 | $679 | 2.99% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $485 | $4K | 22.74% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $531 | — | $531 | 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 | 348 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC | 271 | $2.5M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 316 | $163K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 257 | $23K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 350 | $135K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $111K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 349 | $84K |
| Other(4 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 350 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.