| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | UNITED HEALTHCARE INSURANCE COMPANY | — | $29K | $29K | 2.61% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 14.69% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.96% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE #400 DALLAS, TX 75251 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $2K | $3K | 5.79% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.91% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE AKA BENEFIT MALL DALLAS | 12404 PARK CENTRAL DRIVE #400 DALLAS, TX 75251 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $319 | — | $319 | 2.68% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.88% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $573 | $573 | 4.97% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.93% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $512 | $512 | 4.98% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 144 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 150 | $58K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 119 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 218 | $22K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 218 | $72K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 218 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.