| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP VISION SERVICES MGMT INC3 | 6700 ALEXANDER BELL DR STE 200 COLUMBIA, MD 21046 | DENTEGRA INSURANCE COMPANY | $14K | — | $14K | 4.00% |
| LAKESHORE BENEFIT GROUP INSURANCE3 | 301 ALBANY TURNPIKE CANTON, CT 06019 | THE UNION LABOR LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZENITH AMERICAN SOLUTIONS EIN 52-1590516 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $344K |
| CONIFER VALUE-BASED CARE, LLC EIN 52-1964905 NONE | Direct payment from the plan; Other services; Consulting (general) Service code 16 | — | $164K |
| SLEVIN & HART, PC EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $133K |
| CHEIRON, INC. EIN 13-4215617 NONE | Actuarial; Consulting (general); Direct payment from the plan Service code 11 | — | $114K |
| PNC BANK, N.A. EIN 22-1146430 NONE | Custodial (securities); Direct payment from the plan Service code 19 | — | $43K |
| WITHUMSMITH+BROWN, P.C. EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $35K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $27K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $25K |
| SEGALL BRYANT & HAMILL, LLC EIN 35-2679129 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $18K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-2432390 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $16K |
| THE SEGAL COMPANY EIN 94-1503999 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $14K |
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 | 1,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC | 1,647 | $8.5M |
| Dental | DENTEGRA INSURANCE COMPANY | 1,464 | $342K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 1,462 | $52K |
| Life insurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,260 | $30K |
| Other | THE UNION LABOR LIFE INSURANCE COMPANY | 1,260 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,647 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.