| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIE INC3 | PO BOX 575 BEL AIR, MD 21014 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 3.23% |
| PIE INC3 | 22 WEST PENNSYLVANIA AVENUE P.O. BOX 575 BEL AIR, MD 21014 | CAREFIRST BLUECHOICE | $25K | $117 | $25K | 2.51% |
| MATHER BENEFIT ADMINISTRATORS, LLC3 | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16K | $16K | 11.20% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICE INC. | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21284 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 22.00% |
No Schedule C service providers reported on this filing.
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 | 495 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 530 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 495 | $142K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 530 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 495 | $142K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 495 | $142K |
| Prescription drug | CAREFIRST BLUECHOICE | 285 | $1.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 495 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.