| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TGF INSURANCE SERVICES | 8005 BRETHREN DRIVE GAITHERSBURG, MD 208794000 | UNION LABOR LIFE INSURANCE COMPANY | $116K | — | $116K | 10.82% |
| THE REIN COMPANY INC | 20203 GOSHEN ROAD, SUITE 321 GAITHERSBURG, MD 208794000 | UNION LABOR LIFE INSURANCE COMPANY | $23K | — | $23K | 2.18% |
| THE REIN COMPANY INC3 Filed as: THE REIN COMPANY INC. | 20203 GOSHEN ROAD, SUITE 321 GAITHERSBURG, MD 208794000 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $85K | — | $85K | 20.00% |
| THE REIN COMPANY INC3 Filed as: THE REIN COMPANY INC. | 20203 GOSHEN ROAD, SUITE 321 GAITHERSBURG, MD 208794000 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $55K | — | $55K | 15.00% |
| THE REIN COMPANY INC3 | 20203 GOSHEN ROAD, SUITE 321 GAITHERSBURG, MD 208794000 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DECISION SCIENCE, INC EIN 52-1055523 NONE | Contract Administrator Service code 13 | — | $688K |
| COMPLETE CLAIM SOLUTIONS, INC. EIN 26-4450838 NONE | Claims processing Service code 12 | — | $339K |
| AMERICAN HEALTH HOLDING, INC EIN 31-1368946 NONE | Other fees Service code 99 | — | $310K |
| NCAS (CAREFIRST PPO) EIN 52-1187907 NONE | Other fees Service code 99 | — | $162K |
| BALDWIN LAW GROUP, LLP EIN 51-0568066 NONE | Legal Service code 29 | — | $66K |
| INTERGROUP LLC EIN 46-4090739 NONE | Other fees Service code 99 | 401 SHADY AVENUE SUITE B-108 PITTSBURGH, PA 15206 | $62K |
| CIGNA DENTAL NONE | Other fees Service code 99 | 1601 CHESTNUT ST, PHILADELPHIA, PA 19192 | $52K |
| BOLTON PARTNERS, INC EIN 52-1231144 NONE | Accounting (including auditing) Service code 10 | — | $31K |
| CVS CAREMARK EIN 05-0340626 NONE | Other fees Service code 99 | — | $27K |
| GOLDBERG & BANKS, P.C. EIN 52-2062749 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| RAYMOND JAMES & ASSOCIATES, INC EIN 59-1237041 NONE | Investment advisory (plan); Securities brokerage Service code 27 | — | $25K |
| ACCENT PRINTERS, INC. EIN 52-1263036 NONE | Other fees Service code 99 | — | $10K |
| DOYLE PRINTING & OFFSET CO., INC EIN 53-0191325 NONE | Other fees Service code 99 | — | $10K |
| ZWERDLING, PAUL, KAHN & POLLY, P.C. EIN 52-1231316 NONE | Legal Service code 29 | — | $7K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Accounting (including auditing) Service code 10 | 7501 WISCONSIN AVE. BETHESDA, MD 20814 | $6K |
| M & T BANK EIN 16-0538020 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $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 | 2,526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 294 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,583 | $365K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,583 | $424K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 2,583 | $1.1M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,583 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,583 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.