| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATHER & STROHL ADMIN SVCS INC3 | 12404 PARK CENTRAL DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $39K | $13K | $52K | 12.07% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE AND FINANCIAL PARTNER | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | CAREFIRST OF MARYLAND, INC. | $0 | $3K | $3K | 1.45% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $5K | $22K | 21.74% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.09% |
| BENEFIT MALL3 | 12404 PARK CENTRAL DRIVE #400S DALLAS, MD 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.06% |
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 | 572 | 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) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAREFIRST OF MARYLAND, INC. | 497 | $213K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $32K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 587 | $429K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 587 | $429K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 587 | $429K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 587 | $532K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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.