No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CARDAY ASSOCIATES EIN 53-0257019 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $472K |
| O'DONOGHUE & O'DONOGHUE EIN 53-0120528 NONE | Legal; Direct payment from the plan Service code 29 | — | $145K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $136K |
| NCAS EIN 52-1330940 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $70K |
| CAREFIRST EIN 52-1385894 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $70K |
| CHARTWELL INVESTMENT PARTNERS NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $47K |
| SEGAL COMPANY EIN 13-1835864 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $45K |
| BANK OF AMERICA EIN 52-6142514 NONE | Other fees Service code 99 | — | $38K |
| INVESCO ADVISORS INC EIN 58-1707262 NONE | Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $31K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 7501 WISCONSIN AVE BETHESDA, MD 20814 | $29K |
| SEGAL SELECT INSURANCE EIN 46-0619194 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 333 WEST 34TH STREET NEW YORK, NY 10001 | $26K |
| SEGAL MARCO ADVISORS EIN 13-2646110 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $17K |
| NOVAK FRANCELLA, LLC NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | ONE PRESIDENTIAL BLVD BALA CYNWYD, PA 19004 | $5K |
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 | 1,359 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 386 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,745 | 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 | 1,129 | $14.2M |
| Vision | VISION SERVICE PLAN | 1,608 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,608 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.