| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNS HOPKINS HEALTHCARE, LLC3 | 6704 CURTIS COURT GLEN BURNIE, MD 21060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90K | $0 | $90K | 13.76% |
| RCM AND D3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $617 | $0 | $617 | 7.50% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL, LLP | 210 ALLEGHENY AVENUE, SUITE 300 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $617 | $0 | $617 | 7.50% |
| RCM AND D3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | METROPOLITAN LIFE INSURANCE COMPANY | $103 | $0 | $103 | 8.55% |
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 | 4,684 | 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) | 4,684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,017 | $107K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 11,008 | $667K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,008 | — |
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."
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.