| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.5 Filed as: UNITED HEALTHCARE SERVICES INC | 9700 HEALTHCARE LANE MINNETONKA, MN 55343 | ALL SAVERS INSURANCE COMPANY | — | $39K | $39K | 8.74% |
| CORPORATE COVERAGE LLC3 | 1810J YORK RD STE 224 LUTHERVILLE, MD 21093 | ALL SAVERS INSURANCE COMPANY | $32K | $0 | $32K | 7.13% |
| CORPORATE COVERAGE LLC3 | 1810J YORK RD STE 224 LUTHERVILLE, MD 21093 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 9.50% |
| TIMOTHY B WHITE3 Filed as: TIMOTHY M THOMPSON | 12912 FALLS RD COCKEYSVILLE, MD 21030 | HARTFORD LIFE AND ACCIDENT | $68 | $0 | $68 | 0.08% |
| CORPORATE COVERAGE LLC3 | 1810J YORK RD STE 224 LUTHERVILLE, MD 21093 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 97 | $50K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 97 | $50K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 144 | $83K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 144 | $83K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 144 | $83K |
| Stop-loss / reinsurancereinsurance | ALL SAVERS INSURANCE COMPANY | 91 | $444K |
| Other | HARTFORD LIFE AND ACCIDENT | 144 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.