| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVE NE SUITE 200 BELLEVUE, WA 98004 | CAREFIRST OF MARYLAND, INC. | — | $29K | $29K | 5.19% |
| MATHER & STROHL ADMIN SVCS INC5 Filed as: MATHER AND STROHL ADMINISTRATIVE SE | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 75251 | CAREFIRST OF MARYLAND, INC. | — | $4K | $4K | 0.65% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE | 12404 PARK CENTRAL DR STE 4005 DALLAS, TX 75251 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $2K | $4K | 7.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. INC. | 702 KING FARM BLVD SUITE 210 ROCKVILLE, MD 20850 | UNITED CONCORDIA INSURANCE COMPANY | — | $775 | $775 | 1.51% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1501 REEDSDALE STREET STE 3005 PITTSBURGH, PA 15233 | UNITED CONCORDIA INSURANCE COMPANY | — | $41 | $41 | 0.08% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 263 W MAIN ST ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 14.22% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 263 W MAIN ST ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.14% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 263 W MAIN ST ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 14.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $460 | — | $460 | 4.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $443 | — | $443 | 4.29% |
| CENTERSTONE INSURANCE AND FINANCIAL5 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $422 | — | $422 | 4.09% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 96 | $559K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 146 | $51K |
| Vision | VISION SERVICE PLAN | 61 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $49K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 96 | $559K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.