| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RALPH STEPHEN GREER, JR.3 | 20203 GOSHEN ROAD, SUITE 321 GAITHERSBURG, MD 20814 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | $133K | — | $133K | 12.00% |
| THE REIN COMPANY INC3 | 20203 GOSHEN ROAD, SUITE 321 GAITHERSBURG, MD 208794000 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $79K | — | $79K | 20.00% |
| THE REIN COMPANY INC3 | 20203 GOSHEN ROAD, SUITE 321 GAITHERSBURG, MD 208794000 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $51K | — | $51K | 15.00% |
| THE REIN COMPANY INC Filed as: THE REIN COMPANY INC. | 20203 GOSHEN ROAD, SUITE 321 GAITHERSBURG, MD 208794000 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DECISION SCIENCE, INC EIN 52-1055523 NONE | Contract Administrator Service code 13 | — | $662K |
| AMERICAN HEALTH HOLDING, INC EIN 31-1368946 NONE | Other fees Service code 99 | — | $240K |
| COMPLETE CLAIM SOLUTIONS, INC. EIN 26-4450838 NONE | Claims processing Service code 12 | — | $217K |
| NCAS (CAREFIRST PPO) EIN 52-1187907 NONE | Other fees Service code 99 | — | $148K |
| BALDWIN LAW GROUP, LLP EIN 51-0568066 NONE | Legal Service code 29 | — | $86K |
| CVS CAREMARK EIN 05-0340626 NONE | Other fees Service code 99 | — | $32K |
| DANIEL A. WINTERS & COMPANY, CPAS EIN 23-2586736 NONE | Accounting (including auditing) Service code 10 | — | $32K |
| GOLDBERG & BANKS, P.C. EIN 52-2062749 NONE | Accounting (including auditing) Service code 10 | — | $32K |
| BOLTON PARTNERS, INC EIN 52-1231144 NONE | Accounting (including auditing) Service code 10 | — | $23K |
| ONENET PPO, LLC EIN 52-2129786 NONE | Other fees Service code 99 | — | $14K |
| ZWERDLING, PAUL, KAHN & POLLY, P.C. EIN 52-1231316 NONE | Legal Service code 29 | — | $11K |
| FAIR HEALTH, INC. EIN 90-0524293 NONE | Other fees Service code 99 | — | $10K |
| DOYLE PRINTING & OFFSET CO., INC EIN 53-0191325 NONE | Other fees Service code 99 | — | $9K |
| M & T BANK EIN 16-0538020 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $902 |
| DEUTSCHE ASSET & WEALTH MANAGEMENT NONE | Custodial (securities); Distribution (12b-1) fees Service code 19 | 100 INTERNATIONAL DRIVE, 22ND FLOOR BALTIMORE, MD 21202 | $0 |
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 | 2,506 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 278 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,784 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,545 | $342K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,546 | $397K |
| Other(2 contracts, 2 carriers) | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 2,619 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,619 | — |
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.