| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES ZEHNER3 | 9051 BALTIMORE NATIONAL PIKE SUITE 3B ELLICOTT CITY, MD 21042 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $15K | $22 | $15K | 3.51% |
| MATHER BENEFIT ADMINISTRATORS, LLC3 | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $5K | $6K | 13.88% |
| JAMES ZEHNER3 | 9051 BALTIMORE NATIONAL PIKE SUITE 3B ELLICOTT CITY, MD 21042 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.77% |
| MATHER BENEFIT ADMINISTRATORS, LLC3 Filed as: MATHER BENEFIT ADMINISTRATORS LLC | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $364 | $6K | 15.33% |
| JAMES ZEHNER3 | 9051 BALTIMORE NATIONAL PIKE SUITE 3B ELLICOTT CITY, MD 21042 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.52% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICE INC | 501 FAIRMOUNT AVENUE #400 TOWSON, MD 21284 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $718 | $434 | $1K | 18.17% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICES INC | 501 FAIRMOUNT AVENUE #400 TOWSON, MD 21284 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $598 | $349 | $947 | 18.56% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICES INC | 501 FAIRMOUNT AVENUE #400 TOWSON, MD 21284 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $570 | $292 | $862 | 20.19% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 58 | $423K |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $82K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $53K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 165 | $52K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $51K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 58 | $417K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.