| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHESAPEAKE BENEFIT SERVICES INC3 Filed as: CHESAPEAKE BENEFIT SERVICE | 860 WASHINGTON AVENUE CHESTERTOWN, MD 216201004 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 3.99% |
| BIRCH BENEFITS LLC3 Filed as: BIRCH BENEFITS, LLC | 24 LOUELLA COURT #301 WAYNE, PA 190873562 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.20% |
| CHESAPEAKE BENEFIT SERVICES INC3 | 860 WASHINGTON AVENUE CHESTERTOWN, MD 21620 | RELIANCE LIFE & HEALTH INSURANCE CO OF AMERICA | $3K | — | $3K | 5.02% |
| CHESAPEAKE BENEFIT SERVICES INC3 Filed as: CHESAPEAKE BENEFIT SERVICES | 860 WASHINGTON AVENUE CHESTERTOWN, MD 21620 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 7.95% |
| BIRCH BENEFITS LLC3 | 24 LOUELLA COURT SUITE 301 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $595 | — | $595 | 2.06% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $979K |
| Dental | RELIANCE LIFE & HEALTH INSURANCE CO OF AMERICA | 136 | $56K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 267 | $29K |
| Other | HARTFORD LIFE AND ACCIDENT | 267 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.