| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $7K | $27K | 14.92% |
| LILLIAN A NASH3 | 10718 TRAFTON DR. UPPER MARLBORO, MD 20774 | TRANSAMERICA LIFE INSURANCE COMPANY | $52 | — | $52 | 2.52% |
| JOSHUA M PINCUS SOKOLOFF3 Filed as: JOSHUA M PINCUS-SOKOLOFF | 6100 CHEVY CHASE DR., STE. 105 LAUREL, MD 20707 | TRANSAMERICA LIFE INSURANCE COMPANY | $21 | — | $21 | 1.02% |
| SABRINA W BUSH3 | 4101 TURF RUN CIR. RANDALLSTOWN, MD 21133 | TRANSAMERICA LIFE INSURANCE COMPANY | $10 | — | $10 | 0.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 TPA | Contract Administrator; Insurance services; Claims processing Service code 12 | — | $93K |
| HILB GROUP OF MARYLAND BROKER | Claims processing; Contract Administrator; Insurance agents and brokers; Insurance services Service code 12 | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | $46K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Contract Administrator; Claims processing; Insurance agents and brokers; Insurance services Service code 12 | — | $29K |
| CONNECTCARE3, LLC EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $9K |
| HEALTHSPARQ EIN 35-2486216 TELEHEALTH | Other services Service code 49 | — | $1K |
| CONIFER VALUE-BASED CARE EIN 45-4937055 UTILIZATION MANAGEMENT | Other services Service code 49 | — | $585 |
| MDLIVE INC EIN 45-4937055 TELEHEALTH | Other services Service code 49 | — | $439 |
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 | 355 | 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) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $180K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $180K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $182K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $180K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 276 | $286K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 481 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.