| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 4191 INNSLAKE DRIVE SUITE 211 GLEN ALLEN, VA 23060 | CAREFIRST BLUECHOICE, INC. | $0 | $47K | $47K | 2.97% |
| MATHER & STROHL ADMIN SVCS INC5 Filed as: MATHER AND STROHL | ADMINISTRATIVE SERVICES 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | $0 | $19K | $19K | 1.19% |
| 0009K7263 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.57% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVE STE 300 HUNT VALLEY, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.29% |
| LIEBERMAN, WILLIAM K3 | 339 6TH AVE STE 720 PITTSBURGH, PA 15222 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.03% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVE STE 300 HUNTVALLEY, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $485 | $0 | $485 | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 1750 COCKEYSVILLE, MD 21030 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $226 | $226 | 2.62% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 196 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $166K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 186 | $11K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $166K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 14 | $9K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $166K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 196 | $1.6M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.