| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE BENEFITS LLC3 Filed as: HERITAGE FINANCIAL CONSULTANTS, LLC | 307 INTERNATIONAL CIR STE 390 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 3.44% |
| ANTHONY PATRICK, LLC3 | 307 INTERNATIONAL CIR STE 390 HUNT VALLEY, MD 21030 | MUTUAL OF OMAHA INSURANCE COMPANY | $24K | $7K | $31K | 19.67% |
| ANTHONY PATRICK, LLC3 | 307 INTERNATIONAL CIR STE 390 HUNT VALLEY, MD 21030 | MUTUAL OF OMAHA INSURANCE COMPANY | $16K | $5K | $21K | 19.62% |
| ANTHONY PATRICK, LLC3 | 307 INTERNATIONAL CIR STE 390 HUNT VALLEY, MD 21030 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $858 | $4K | 19.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS, LLC EIN 52-1187907 NONE | Insurance services Service code 23 | 1501 S. CLINTON STREET, 7TH FLOOR BALTIMORE, MD 21224 | $648K |
| HERITAGE FINANCIAL EIN 52-2159019 NONE | Insurance brokerage commissions and fees Service code 53 | 307 INTERNATIONAL CIRCLE, STE 300 HUNT VALLEY, MD 21030 | $127K |
| CONIFER EIN 52-1964905 NONE | Insurance services Service code 23 | 1596 WHITEHALL RD ANNAPOLIS, MD 21409 | $5K |
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 | 546 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 950 | $382K |
| Life insurance(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 546 | $178K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 379 | $109K |
| Other(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 546 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 950 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.