| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | CAREFIRST OF MARYLAND, INC. | $4K | $39K | $43K | 6.27% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMIN SERVICES | 12404 PARK CENTRAL DR., STE. 400 DALLAS, TX 75251 | CAREFIRST OF MARYLAND, INC. | — | $10K | $10K | 1.45% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICES | 501 FAIRMOUNT AVE., STE. 400 TOWSON, MD 212865460 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 17.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., NE, STE. 301 TOWSON, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.27% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICES | 12404 PARK CENTRAL DR., STE. 400 DALLAS, TX 75251 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $3K | $6K | 15.32% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICES | 501 FAIRMOUNT AVE., STE. 400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $732 | $754 | $1K | 9.87% |
| HILB GROUP OF NEW ENGLAND3 | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $356 | — | $356 | 2.36% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 189 | $680K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 110 | $39K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $45K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 189 | $680K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.