| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 501 FELLOWSHIP ROAD, STE. 201 MOUNT LAUREL, NJ 08054 | CAREFIRST BLUE CHOICE | $29K | $67 | $29K | 2.74% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | CAREFIRST BLUE CHOICE | $3K | $16K | $19K | 1.74% |
| MATHER & STROHL ADMINISTRATIVE SVCS3 | 501 FAIRMONT AVENUE #400 TOWSON, MD 21286 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $11K | — | $11K | 10.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 15800 CRABBS BRANCH WAY, STE. 350 ROCKVILLE, MD 20855 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.75% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21284 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.43% |
| INDEPENDENT BENEFIT SERVICES3 | 15800 CRABBS BRANCH WAY, STE. 350 ROCKVILLE, MD 20855 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.13% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL CENTER, INC. | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | STANDARD INSURANCE COMPANY | $620 | — | $620 | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 15800 CRABBS BRANCH WAY, STE. 350 ROCKVILLE, MD 20855 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.76% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21284 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.48% |
| INDEPENDENT BENEFIT SERVICES3 | 15800 CRABBS BRANCH WAY, STE. 350 ROCKVILLE, MD 20855 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.20% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL CENTER, INC. | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | STANDARD INSURANCE COMPANY | $583 | — | $583 | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 15800 CRABBS BRANCH WAY, STE. 350 ROCKVILLE, MD 20855 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.77% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21284 | STANDARD INSURANCE COMPANY | $813 | — | $813 | 4.43% |
| INDEPENDENT BENEFIT SERVICES3 | 15800 CRABBS BRANCH WAY, STE. 350 ROCKVILLE, MD 20855 | STANDARD INSURANCE COMPANY | $570 | — | $570 | 3.11% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL CENTER, INC. | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | STANDARD INSURANCE COMPANY | $259 | — | $259 | 1.41% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER COMPANIES, INC. | 9690 DEERCO ROAD, SUITE 650 TIMONIUM, MD 21093 | ACE AMERICAN INSURANCE COMPANY | $1K | — | $1K | 20.00% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUE CHOICE | 164 | $1.1M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 145 | $110K |
| Vision | CAREFIRST BLUE CHOICE | 164 | $1.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 184 | $44K |
| Short-term disability | STANDARD INSURANCE COMPANY | 184 | $18K |
| Long-term disability | STANDARD INSURANCE COMPANY | 184 | $44K |
| Prescription drug | CAREFIRST BLUE CHOICE | 164 | $1.1M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 184 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.