| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE & FINACIAL PARTNERS L | 1131 MCCORMICH RD, STE 500 HUNT VALLEY, MD 21031 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | $240 | $6K | 0.70% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HLB GROUP | 11311 HMCCORMACK RD HUNT VALLEY, MD 21031 | UNITED HEALTHCARE INSURANCE COMPANY | — | $959 | $959 | 0.11% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 1131 MCCORMICH RD, STE 500 HUNT VALLEY, MD 21031 | GUARDIAN | $13K | $3K | $16K | 18.23% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY, LLC | 20 COMMERCE DR CRANFORD, NJ 07016 | GUARDIAN | $2K | — | $2K | 2.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMACK RD STE 50 HUNT VALLEY, MD 21031 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 7.13% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 1131 MCCORMICH RD, STE 500 HUNT VALLEY, MD 21031 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.66% |
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 | 108 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 114 | $958K |
| Dental(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 114 | $958K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 114 | $911K |
| Life insurance | GUARDIAN | 106 | $90K |
| Short-term disability | GUARDIAN | 106 | $90K |
| Long-term disability | GUARDIAN | 106 | $90K |
| Prescription drug(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 114 | $958K |
| Other | GUARDIAN | 106 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.