| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLONIAL HEALTHCARE, INC.3 | 9901 BUSINESS PARKWAY LANHAM, MD 20706 | SYMETRA LIFE INSURANCE COMPANY | $58K | — | $58K | 17.00% |
| MARK SAGER3 Filed as: MARK G SAGER | 6430 ROCKLEDGE DRIVE SUITE 504 BETHESDA, MD 20817 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.65% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOUSTON | 5444 WESTHEIMER SUITE 900 HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | — | $187 | $187 | 0.25% |
| PETER JONES3 | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 19.49% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $136 | $2K | 5.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SVCS INC | 6550 ROCK SPRING DRIVE SUITE 610 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| PETER JONES3 Filed as: PETER C JONES | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 6430 ROCKLEDGE DRIVE SUITE 504 BETHESDA, MD 20817 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 7.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SVCS INC | 6550 ROCK SPRING DRIVE SUITE 610 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT | 6430 ROCKLEDGE DRIVE BETHESDA, MD 20817 | VISION BENEFITS OF AMERICA | $518 | — | $518 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $649K |
| CHOICE STRATEGIES EIN 94-3351864 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $12K |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 258 | $76K |
| Vision | VISION BENEFITS OF AMERICA | 108 | $10K |
| Life insurance(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 258 | $216K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31 | $17K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 185 | $99K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 290 | $339K |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 285 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.