| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE | $55K | $9K | $64K | 6.01% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL INC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $643 | $5K | 17.47% |
| PROSENTIAL BENEFITS LLC3 | 100 STONEWALL BLVD SUITE 1 WRENTHAM, MA 02093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $674 | $674 | 2.59% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL INC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $422 | $3K | 17.50% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFIS LLC | 100 STONEWALL BLVD SUITE 1 WRENTHAM, MA 02093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $442 | $442 | 2.61% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL INC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $383 | $3K | 22.57% |
| PROSENTIAL BENEFITS LLC3 | 100 STONEWALL BLVD SUITE 1 WRENTHAM, MA 02093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $402 | $402 | 2.70% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL INC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MA 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $328 | $2K | 17.50% |
| PROSENTIAL BENEFITS LLC3 | 100 STONEWALL BLVD SUITE 1 WRENTHAM, MA 02093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $343 | $343 | 2.62% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL AND INSURANCE SERVICE | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | 1.800MD, LLC | $3K | — | $3K | 45.59% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | INOVA EMPLOYEE ASSISTANCE | $178 | — | $178 | 10.01% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAREFIRST BLUECHOICE | 106 | $1.1M |
| Dental | CAREFIRST BLUECHOICE | 97 | $1.1M |
| Vision | CAREFIRST BLUECHOICE | 97 | $1.1M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $28K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $17K |
| Prescription drug | CAREFIRST BLUECHOICE | 97 | $1.1M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.