| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIE INC3 | PO BOX 575 22 WEST PENNSYLVANIA AVENUE BEL AIR, MD 21014 | CAREFIRST BLUECHOICE | $19K | $10K | $29K | 4.65% |
| PIE INC3 | 22 WEST PENNSYLVANIA AVENUE PO BOX 575 BEL AIR, MD 21014 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 8.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 6200 CANOGA AVENUE SUITE 300 WOODLAND HLS, CA 91367 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 2.40% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.98% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $6K | 20.02% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 20.01% |
| PIE INC3 | PO BOX 575 BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 46.66% |
| PIE INC3 | 22 WEST PENNSYLVANIA AVENUE PO BOX 575 BEL AIR, MD 21014 | COMPBENEFITS INSURANCE COMPANY | $578 | — | $578 | 8.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 6200 CANOGA AVENUE SUITE 300 WOODLAND HLS, CA 91367 | COMPBENEFITS INSURANCE COMPANY | $148 | — | $148 | 2.05% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 128 | $630K |
| Dental | HUMANA INSURANCE COMPANY | 143 | $44K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 116 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $29K |
| Prescription drug | CAREFIRST BLUECHOICE | 128 | $630K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.