| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMM INSURANCE CENTER, INC.3 Filed as: LAMM SERVICE INSURANCE CENTER, INC | 1007 FREDERICK ROAD BALTIMORE, MD 21228 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| LAMM INSURANCE CENTER, INC.3 Filed as: LAMM INSURANCE CENTER INC | 818 FREDERICK ROAD BALTIMORE, MD 21228 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.21% |
| LAMM INSURANCE CENTER, INC.3 Filed as: LAMM INSURANCE CENTER INC | 1007 FREDERICK ROAD BALTIMORE, MD 21228 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.14% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 186 | $989K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $68K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $68K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 125 | $35K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 125 | $35K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 148 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.