| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 5.00% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | HARTFORD LIFE AND ACCIDENT | $34K | — | $34K | 15.83% |
| PROFESSIONAL BENEFITS SOLUTION3 | 8945 GUILFORD RD SUITE 145 COLUMBIA, MD 21046 | HARTFORD LIFE AND ACCIDENT | $226 | — | $226 | 0.11% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $86 | — | $86 | 0.26% |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 294 | $311K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 271 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 353 | $212K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 353 | $212K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 353 | $212K |
| Other | HARTFORD LIFE AND ACCIDENT | 353 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.