| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN & COUNTRY INSURANCE AGENCY | 10260 WEST HEIMER ROAD, SUITE 180 HOUSTON, TX 77042 | HARTFORD LIFE & ACCIDENT | $22K | — | $22K | 5.53% |
| BARBARA STARR3 | 3130 BROADWAY KANSAS CITY, MO 64141 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $16K | $20K | 23.21% |
| WILLIAM SPOTTS3 Filed as: WILLIAM F. SPOTTS | 8 LAUREL CR TIMONIUM, MD 21093 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 38.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS, LLC EIN 52-1187907 | Other fees Service code 99 | 1501 S. CLINTON STREET, 7TH FLOOR BALTIMORE, MD 21224 | $805K |
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 | 872 | 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) | 872 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 892 | $74K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,160 | $88K |
| Life insurance | HARTFORD LIFE & ACCIDENT | 872 | $401K |
| Short-term disability | HARTFORD LIFE & ACCIDENT | 872 | $401K |
| Long-term disability | HARTFORD LIFE & ACCIDENT | 872 | $401K |
| Other | HARTFORD LIFE & ACCIDENT | 872 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,160 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.