| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6903 ROCKLEDGE DRIVE SUITE 950 BETHESDA, MD 208177831 | CAREFIRST BLUECHOICE | $63K | $18K | $81K | 5.17% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE | — | $6K | $6K | 0.35% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 208177831 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $17K | — | $17K | 6.26% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA BENEFITMALL | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $4K | — | $4K | 1.58% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720A ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 208177831 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $9K | $12K | 10.29% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER &STROHL ADMIN SVC INC | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.34% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $848 | — | $848 | 1.82% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6903 ROCKLEDGE DRIVE SUITE 950 BETHESDA, MD 208177831 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHT ADMIN SVC INC | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 11.82% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6903 ROCKLEDGE DRIVE SUITE 950 BETHESDA, MD 208177831 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $860 | — | $860 | 2.42% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720A ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | EYEMED VISION CARE | $2K | — | $2K | 14.09% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADM SVC INC | 501 FAIRMOUNT AVENUE TOWSON, MD 21286 | EYEMED VISION CARE | $543 | — | $543 | 4.43% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 168 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 285 | $121K |
| Vision | EYEMED VISION CARE | 21 | $12K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 110 | $36K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $47K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $36K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 168 | $1.8M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 110 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.