| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE COVERAGE LLC3 | 2219 YORK RD., STE 302 TIMONIUM, MD 21093 | UNITEDHEALTHCARE INSURANCE COMPANY | $74K | $444 | $74K | 4.84% |
| CORPORATE COVERAGE LLC3 | 2219 YORK RD., STE 302 TIMONIUM, MD 21093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $300 | $5K | 15.97% |
| CORPORATE COVERAGE LLC3 | 2219 YORK RD., STE 302 TIMONIUM, MD 21093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $264 | $4K | 12.97% |
| CORPORATE COVERAGE LLC3 | 2219 YORK RD., STE 302 TIMONIUM, MD 21093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $245 | $2K | 6.28% |
| CORPORATE COVERAGE LLC3 | 2219 YORK RD., STE 302 TIMONIUM, MD 21093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $139 | $1K | 7.62% |
| CORPORATE COVERAGE LLC3 | 2219 YORK RD., STE 302 TIMONIUM, MD 21093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $107 | $2K | 20.97% |
| CORPORATE COVERAGE LLC3 | 2219 YORK RD., STE 302 TIMONIUM, MD 21093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $79 | $1K | 15.96% |
| CORPORATE COVERAGE LLC3 | 2219 YORK RD., STE 302 TIMONIUM, MD 21093 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $78 | $2K | 20.97% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 273 | $1.5M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $54K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 142 | $28K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 42 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.