| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIE INC3 | PO BOX 575 22 WEST PENNSYLVANIA AVENUE BEL AIR, MD 21014 | CAREFIRST BLUECHOICE | $18K | $7K | $25K | 4.13% |
| BENEFITMALL3 Filed as: BENEFITMALL/MATHER & STROHL ADMIN | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE | — | $12K | $12K | 1.97% |
| PIE INC3 | 22 WEST PENNSYLVANIA AVENUE PO BOX 575 BEL AIR, MD 21014 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 8.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 4.48% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 19.92% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.05% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.05% |
| PIE INC3 | PO BOX 575 BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 23.77% |
| PIE INC3 | 22 W PENNSYLVANIA AVE PO BOX 575 BEL AIR, MD 21014 | COMPBENEFITS INSURANCE COMPANY | $572 | — | $572 | 7.99% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONOE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | COMPBENEFITS INSURANCE COMPANY | $283 | — | $283 | 3.95% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 118 | $611K |
| Dental | HUMANA INSURANCE COMPANY | 211 | $50K |
| Vision | COMPBENEFITS INSURANCE COMPANY | 120 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $34K |
| Prescription drug | CAREFIRST BLUECHOICE | 118 | $611K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.