| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD, SUITE 500 HUNT VALLEY, MD 210318622 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $131K | $0 | $131K | 8.69% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD, SUITE 500 HUNT VALLEY, MD 210318622 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $66K | $14K | $81K | 18.22% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $9K | $0 | $9K | 2.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD, SUITE 500 HUNT VALLEY, MD 210318622 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $44K | $10K | $54K | 18.23% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $6K | $0 | $6K | 2.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD, SUITE 500 HUNT VALLEY, MD 210318622 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $40K | $8K | $49K | 18.16% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $5K | $0 | $5K | 2.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD, SUITE 500 HUNT VALLEY, MD 210318622 | VISION SERVICE PLAN | $6K | $0 | $6K | 6.14% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD, SUITE 500 HUNT VALLEY, MD 210318622 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $291 | $2K | 17.59% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD, SUITE 500 HUNT VALLEY, MD 210318622 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $692 | $68 | $760 | 15.71% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD, SUITE 500 HUNT VALLEY, MD 210318622 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $196 | $2K | 55.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CLAIMS PROCESSOR | Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $948K |
| PNC BANK NA EIN 25-1211909 INVESTMENT MANAGER | Investment management fees paid directly by plan Service code 51 | — | $93K |
| CIGNA DENTAL EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $53K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $33K |
| CONDUENT HR CONSULTING LLC EIN 13-3954297 ACTUARY | Actuarial Service code 11 | — | $28K |
| VSP EIN 23-7089668 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $26K |
| TASC CLIENT SERVICES EIN 39-1561025 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $22K |
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 | 779 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,511 | $1.5M |
| Vision | VISION SERVICE PLAN | 745 | $93K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO | 777 | $442K |
| Long-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 715 | $313K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,511 | $1.5M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,511 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,511 | — |
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.