| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED INSURANCE MANAGEMENT INC | 1300 SPRING ST SILVER SPRING, MD 20910 | FEDERAL INSURANCE COMPANY | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CARDAY ASSOCIATES EIN 53-0257019 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $431K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $81K |
| SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $64K |
| NCAS EIN 52-1330940 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $58K |
| COLUMBIA PARTNERS EIN 52-1940739 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $54K |
| O'DONOGHUE & O'DONOGHUE EIN 53-0120528 NONE | Legal; Direct payment from the plan Service code 29 | — | $28K |
| BANK OF AMERICA EIN 52-6142514 NONE | Other fees Service code 99 | — | $27K |
| INVESCO ADVISORS INC EIN 58-1707262 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $26K |
| SALTER & COMPANY EIN 20-8078757 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $22K |
| VISION SERVICE PLAN EIN 94-1632821 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $19K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $14K |
| CAREFIRST EIN 52-1385894 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $12K |
| AMALGAMATED BANK EIN 13-4920330 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $7K |
| SEGAL SELECT INSURANCE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $4K |
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 | 1,061 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 306 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND INC DEBA CAREFIRST BLUE CROSS BLUE SHIELD | 482 | $1.6M |
| Vision | VISION SERVICE PLAN | 1,453 | $130K |
| Short-term disability | FEDERAL INSURANCE COMPANY | 1,367 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,453 | — |
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.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.