| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN HOPKINS HEALTHCARE LLC3 | 6704 CURTIS COURT GLEN BURNIE, MD 21060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162K | $0 | $162K | 12.25% |
| RCM AND D3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 2.45% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVENUE, SUITE 300 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 2.45% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.35% |
| RCM AND D3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $13K | 2.44% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVENUE, SUITE 300 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $13K | 2.44% |
| RCM AND D3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $579 | $0 | $579 | 7.71% |
| CORNERSTONE FINANCIAL LLP3 | 210 ALLEGHENY AVENUE, SUITE 300 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $579 | $0 | $579 | 7.71% |
| RCM AND D3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | METROPOLITAN LIFE INSURANCE COMPANY | $117 | — | $117 | — |
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 | 1,334 | 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) | 1,334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,132 | $117K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,334 | $611K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,334 | $1.2M |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 10,773 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,773 | — |
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.
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.