| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 15800 CRABBS BRANCH WAY ROCKVILLE, MD 20855 | AETNA | $2K | $19K | $20K | 3.10% |
| CENTERSTONE INSURANCE AND FINANCIAL5 Filed as: CENTERSTONE INS FINANCIAL SERVICES | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | AETNA | $7K | $0 | $7K | 1.07% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD SUITE 130 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.94% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER AND STROHL | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | UNITED CONCORDIA INSURANCE COMPANY | $582 | $3K | $3K | 10.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER | GALLAGHER BENEFIT SERVICES 702 KING FARM BLVD SUITE 210 ROCKVILLE, MD 20850 | UNITED CONCORDIA INSURANCE COMPANY | $0 | $2K | $2K | 5.98% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD SUITE 130 ANNAPOLIS, MD 214013064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $681 | $4K | 18.26% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $599 | $2K | 13.36% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 105 | $659K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 82 | $33K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $36K |
| Prescription drug | AETNA | 105 | $659K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.