| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TGF INSURANCE SERVICES | 8005 BRETHREN DRIVE GAITHERSBURG, MD 20879 | ULLICO | $16K | — | $16K | 6.05% |
| THE REIN COMPANY INC Filed as: THE REIN COMPANY | 20203 GOSHEN RD, STE 321 GAITHERSBURG, MD 20879 | ULLICO | $6K | — | $6K | 2.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DECISION SCIENCE, INC EIN 52-1055523 NONE | Contract Administrator Service code 13 | — | $982K |
| GORDON FEINBLATT LLC EIN 52-0627715 NONE | Legal Service code 29 | — | $78K |
| CAREFIRST NETWORK LEASING NONE | Claims processing Service code 12 | 10455 MILL RUN CIRCLE OWINGS MILL, MD 21117 | $69K |
| AMERICAN HEALTH HOLDINGS, INC. EIN 31-1368946 NONE | Other services Service code 49 | — | $33K |
| THE SINGLETON LAW GROUP EIN 52-1330736 NONE | Legal Service code 29 | — | $31K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management fees paid indirectly by plan Service code 52 | — | $28K |
| WEDGE CAPITAL MANAGEMENT EIN 56-1557450 NONE | Investment management fees paid directly by plan; Soft dollars commissions Service code 51 | — | $24K |
| COLUMBIA PARTNERS EIN 52-1940739 NONE | Investment management fees paid directly by plan Service code 51 | — | $23K |
| SALTER & COMPANY, LLC EIN 20-8078757 NONE | Accounting (including auditing) Service code 10 | — | $23K |
| BOLTON PARTNERS, INC. EIN 52-1231144 NONE | Actuarial Service code 11 | — | $22K |
| CHARTWELL EIN 23-2891243 NONE | Investment management fees paid directly by plan Service code 51 | — | $19K |
| INVESTMENT PERFORMANCE SERVICES EIN 36-3555078 NONE | Investment advisory (plan) Service code 27 | — | $13K |
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 | 1,134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 275 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL NETWORK | 28 | $17K |
| Stop-loss / reinsurancereinsurance | ULLICO | 1,213 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,213 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.