| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | CAREFIRST BLUE CHOICE | $72K | $17K | $88K | 6.18% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.21% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 6200 CANOGA AVENUE, STE. 300 WOODLAND HILLS, CA 91367 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.99% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 16.55% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21284 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.25% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 16.59% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21284 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.35% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 16.56% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21284 | STANDARD INSURANCE COMPANY | $620 | — | $620 | 2.26% |
| 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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUE CHOICE | 177 | $1.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 185 | $123K |
| Vision | CAREFIRST BLUE CHOICE | 177 | $1.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 220 | $63K |
| Short-term disability | STANDARD INSURANCE COMPANY | 220 | $27K |
| Long-term disability | STANDARD INSURANCE COMPANY | 220 | $67K |
| Prescription drug | CAREFIRST BLUE CHOICE | 177 | $1.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 220 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.