| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 225 SCHILLING CIR., STE 150 HUNT VALLEY, MD 21031 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $6K | $22K | 2.42% |
| HENDERSON BROTHERS, INC.3 Filed as: HENDERSON BROTHERS INC. | 920 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $4K | $16K | 1.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 CONTRACT ADMNSTRTOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $303K |
| HENDERSON BROTHERS, INC. BROKER | Direct payment from the plan; Insurance brokerage commissions and fees Service code 50 | 92 FORT DUQUESNE BLVD PITTSBURGH, PA 15222 | $55K |
| WILLIS OF MARYLAND, INC. EIN 52-0559369 BROKER | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $28K |
| HINES AND ASSOCIATES EIN 36-3545085 CONSULTANT | Direct payment from the plan; Consulting (general) Service code 16 | — | $21K |
| COHNREZNICK LLP EIN 22-1478099 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
| WELLS FARGO, N.A. TRUSTEE | Direct payment from the plan; Trustee (bank, trust company, or similar financial institution) Service code 21 | 420 MONTGOMERY STREET SAN FRANCISCO, CA 94104 | $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 | 743 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 756 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,607 | $900K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,607 | $900K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,607 | $900K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,607 | $900K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,607 | $900K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 548 | $641K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,607 | $900K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,607 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.