| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE, INC. | $8K | $55K | $63K | 6.45% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SER | 12404 PARK CENTRAL DRIVE STE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | — | $26K | $26K | 2.67% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $757 | $3K | 20.82% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $390 | $390 | 3.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $660 | $402 | $1K | 16.08% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVENUE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $199 | $199 | 3.01% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 195 | $979K |
| Dental | CAREFIRST BLUECHOICE, INC. | 195 | $979K |
| Vision | CAREFIRST BLUECHOICE, INC. | 195 | $979K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $7K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 44 | $13K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 195 | $979K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.