| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CAREFIRST OF MARYLAND, INC. | $2K | $16K | $18K | 5.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $411 | $2K | 13.76% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF RD SCHAUMBURG, IL 60173 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.61% |
| SEE ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $615 | $3K | 23.63% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $247 | $2K | 17.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $623 | $157 | $780 | 13.78% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 34 | $314K |
| Dental(2 contracts, 2 carriers) | CAREFIRST OF MARYLAND, INC. | 43 | $328K |
| Vision(2 contracts, 2 carriers) | CAREFIRST OF MARYLAND, INC. | 43 | $328K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 63 | $20K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $29K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 63 | $9K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 34 | $314K |
| Stop-loss / reinsurancereinsurance | STRATEGIC BEACON RISK STRATEGIES, LLC | 91 | $25K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 63 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 91 | — |
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.