| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRINGS DR BETHESDA, MD 20817 | GROUP DENTAL SERVICE OF MARYLAND INC. | $5K | — | $5K | 3.00% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C.T. HELLMUTH & ASSOCIATES | 8401 CONNECTICUT AVE CHEVY CHASE, MD 20815 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $9K | — | $9K | 7.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 NONE | Contract Administrator Service code 13 | — | $215K |
| RELIASTAR LIFE INSURANCE EIN 41-0451140 NONE | Contract Administrator Service code 13 | — | $77K |
| HM LIFE INSURANCE GROUP EIN 06-1041332 NONE | Contract Administrator Service code 13 | FIFTH AVENUE PLACE PITTSBURGH, PA 15222 | $64K |
| C.T. HELLMUTH & ASSOCIATES EIN 52-1345246 NONE | Insurance agents and brokers Service code 22 | 8401 CONNECTICUT AVE CHEVY CHASE, MD 20815 | $40K |
| CONIFER EIN 23-1728483 NONE | Contract Administrator Service code 13 | 1601 CHESTNUT ST PHILADELPHIA, PA 19192 | $7K |
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 | 547 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GROUP DENTAL SERVICE OF MARYLAND INC. | 879 | $173K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 623 | $117K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 623 | $117K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 623 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 879 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.