| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARIAN E. BRYANT3 Filed as: MARIAN BRYANT | 4003 MAYBERRY AVE BALTIMORE, MD 21206 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $19K | — | $19K | 2.07% |
| MARIAN E. BRYANT3 Filed as: MARIAN E BRYANT | 4003 MAYBERRY AVE BALTIMORE, MD 21206 | HARTFORD LIFE AND ACCIDENT | $43K | — | $43K | 27.58% |
| MARIAN E. BRYANT3 | 9613 C HARFORD ROAD #169 PARKVILLE, MD 21234 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.93% |
| MARIAN E. BRYANT3 | 4003 MAYBERRY AVE BALTIMORE, MD 21206 | HARTFORD FIRE INSURANCE | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOTAL ADMINISTRATIVE SERVICES CORP EIN 39-1561025 ADMINISTRATIVE SERVICES | Contract Administrator Service code 13 | — | $7K |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 180 | $912K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $71K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $71K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 179 | $155K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 179 | $155K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 179 | $155K |
| Other | HARTFORD FIRE INSURANCE | 179 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.