| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS | 20 S KING STREET LEESBURG, VA 20175 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $107K | $107K | 8.32% |
| MATHER & STROHL ADMIN SVCS INC5 Filed as: MATHER AND STROHL ADMINISTRATIVE SE | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $10K | $10K | 0.75% |
| BALDIN GROUP MID-ATLANTIC3 | 6720B ROCKLEDGE DRIVE BETHESDA, MD 20817 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 13.13% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 6.28% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY BENEFIT STRATEGIES | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $1 | — | $1 | 0.01% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | DELTA DENTAL OF PENNSYLVANIA | $447 | — | $447 | — |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | — | DELTA DENTAL OF PENNSYLVANIA | $346 | — | $346 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GSA NATIONAL EIN 33-0449333 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $77K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Insurance services Service code 23 | — | $9K |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 137 | $1.3M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 162 | $0 |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 144 | $12K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 160 | $91K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 160 | $91K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 160 | $91K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 137 | $1.3M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 160 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.