| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMIN SERVICES | 12404 PARK CENTRAL DR., STE. 400 DALLAS, TX 75251 | CAREFIRST OF MARYLAND, INC. | — | $123K | $123K | 21.91% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 504 FORT EVANS RD NE, STE. 301 LEESBURG, VA 20176 | CAREFIRST OF MARYLAND, INC. | — | $40K | $40K | 7.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 13.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 1204 PARK CENTRAL DR., STE. 400S DALLAS, TX 75251 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 5.03% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.12% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICES, INC | 12404 PARK CENTRAL DR., STE. 400S DALLAS, TX 75251 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $5K | $7K | 18.40% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 110 | $561K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 113 | $40K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $91K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $91K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.