| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATHER BENEFIT ADMINISTRATORS, LLC5 | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 12.69% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS DOWNES | 555 FAIRMOUNT AVENUE TOWSON, MD 21286 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 6.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 3.95% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER AND STROHL ADMIN. SERVICES | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | ADVANTICA REINSURANCE COMPANY | $2K | $0 | $2K | 16.00% |
| BENEFITMALL3 | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $764 | $153 | $917 | 17.79% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY, SUITE 30A MARBLEHEAD, MA 01945 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $28 | $28 | 0.54% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 98 | $44K |
| Vision | ADVANTICA REINSURANCE COMPANY | 125 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $82K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $82K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10 | $5K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.