| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE MEMBER INSURANCE SYSTEMS | 5913 HARFORD ROAD BALTIMORE, MD 21214 | THE DENTAL NETWORK, INC. | $432 | — | $432 | 7.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS ADMINISTRATION CORP.,INC EIN 52-1139156 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $567K |
| ASMED HEALTH PARTNERSHIP EIN 65-0456637 NONE | Other services; Direct payment from the plan Service code 49 | — | $401K |
| AMERICAN HEALTH HOLDING, INC. EIN 31-1368946 NONE | Other fees; Direct payment from the plan Service code 50 | — | $202K |
| ABATO, RUBENSTEIN & ABATO, P.A. EIN 52-0904713 NONE | Legal; Direct payment from the plan Service code 29 | — | $112K |
| CAREFIRST BLUECROSS/BLUESHIELD EIN 52-1385894 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $103K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $100K |
| THE SEGAL COMPANY EIN 13-2619259 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $87K |
| SAV-RX PRESCRIPTION SERVICES NONE | Direct payment from the plan; Claims processing Service code 12 | 224 NORTH PARK AVENUE FREMONT, NE 68025 | $30K |
| COLUMBIA PARTNERS, LLC EIN 52-1940739 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $29K |
| WEYRICH, CRONIN & SORRA EIN 52-1162023 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $23K |
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 | 1,851 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 693 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,544 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE DENTAL NETWORK, INC. | 27 | $6K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 918 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 918 | — |
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 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.