No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CARDAY ASSOCIATES EIN 53-0257019 NONE | Plan Administrator; Direct payment from the plan Service code 14 | 7130 COLUMBIA GATEWAY DR, SUITE A COLUMBIA, MD 21046 | $191K |
| AMERICAN HEALTH HOLDING NONE | Claims processing; Direct payment from the plan Service code 12 | 7400 WEST CAMPUS ROAD F-510 NEW ALBANY, OH 43054 | $36K |
| CHARLES R BOTH NONE | Legal; Direct payment from the plan Service code 29 | 1666 CONNECTICUT AVE NW SUITE 5 WASHINGTON, DC 20009 | $19K |
| CALIBRE CPA GROUP EIN 47-0900880 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 7501 WISCONSIN AVENUE, SUITE 1200W BETHESDA, MD 20814 | $15K |
| CAPITAL ONE NONE | Trustee (directed); Direct payment from the plan Service code 25 | 1680 CAPITAL ONE DR 10TH FL MCLEAN, VA 21210 | $8K |
| BOLTON PARTNERS NONE | Direct payment from the plan; Actuarial Service code 11 | 36 SOUTH CHARLES STREET BALTIMORE, MD 21201 | $8K |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DAVIS VISION | 422 | $0 |
| Life insurance | UNION LAB | 422 | $62K |
| Other | HARTFORD LIFE AND ACCIDENT | 91 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.