| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | AETNA HEALTH, INC. | $153K | $8K | $160K | 3.05% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, LA 21031 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 2.90% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $596 | $11K | 4.86% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $4K | $27K | 17.65% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWAY. STE. 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $543 | $4K | 2.35% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $4K | $26K | 17.60% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWAY, STE. 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $530 | $4K | 2.35% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL INC. | 11311 MCCORMICK ROAD 5TH FLOOR HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $3K | $20K | 17.65% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWAY., STE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $396 | $3K | 2.35% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.96% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE.500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.19% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL, INC | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | UNITED CONCORDIA DENTAL PLANS, INC. | $4K | — | $4K | 9.75% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $214 | $1K | 17.64% |
| BENEFIT ADVISORS SERVICES3 | 1120 SANCTUARY PKWAY, STE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $162 | $29 | $191 | 2.36% |
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 | 1,576 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 1,097 | $5.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 599 | $278K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 976 | $83K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,576 | $150K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 716 | $154K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,306 | $112K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,576 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,576 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.