No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST EIN 53-0078070 NONE | Contract Administrator Service code 13 | — | $294K |
| WILLIS TOWERS WATSON NONE | Actuarial Service code 11 | 901 N. GLEBE ROAD ARLINGTON, VA 22203 | $94K |
| THE SQUIRES GROUP INC NONE | Consulting (general) Service code 16 | 608 MELVIN AVE ANNAPOLIS, MD 21401 | $63K |
| ALERE NONE | Other services Service code 49 | 3200 WINDY HILL ROAD ATLANTA, GA 30339 | $51K |
| GRANT THORNTON LLC EIN 36-6055558 NONE | Accounting (including auditing) Service code 10 | — | $47K |
| DELTA DENTAL EIN 54-0844477 NONE | Contract Administrator Service code 13 | — | $34K |
| BUSINESSOLVER, INC NONE | Other fees Service code 99 | 1025 ASHWORTH ROAD, STE. 101 WEST DES MOINES, IA 50265 | $6K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 419 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECROSS BLUESHIELD | 551 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.