| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORP. OF MARYLAND | 12505 PARK POTOMAC AVE POTOMAC, MD 20854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $108K | — | $108K | 1.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 12505 PARK POTOMAC AVE, STE 300 POTOMAC, MD 20854 | AETNA LIFE INSURANCE CO. | $1.0M | — | $1.0M | 13.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 PARK POTOMAC AVE, SUITE 400 POTOMAC, MD 20854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $98K | — | $98K | 2.75% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $32K | $32K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 12505 PARK POTOMAC AVE POTOMAC, MD 20854 | ZURICH AMERICAN INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| PR HEALTH EXCHANGE CORP3 Filed as: PR HEALTH EXCHANGE CORP. | PO BOX 34097 FT BUCHANNAN GUAYNABO, PR 00934 | MCS LIFE INSURANCE COMPANY | $11K | — | $11K | 5.76% |
| JEFF HALSETH3 | COSTAL PLANS INSURANCE 15 BOW CIRCLE, NO. 101 HILTON HEAD ISLAND, SC 29928 | MONUMENTAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.01% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $12K | $12K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 12505 PARK POTOMAC AVE POTOMAC, MD 20854 | ZURICH AMERICAN INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 PARK POTOMAC AVE, SUITE 300 POTOMAC, MD 20854 | GBG HOLDINGS | $7K | — | $7K | 9.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIMS ADMINISTRATOR | Contract Administrator; Non-monetary compensation; Named fiduciary; Float revenue; Claims processing; Participant communication; Other services; Direct payment from the plan Service code 12 | — | $3.0M |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 CLAIMS ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $183K |
| CIGNA HEALTH AND LIFE INSURANCE CO | Contract Administrator; Non-monetary compensation; Claims processing; Other services; Float revenue; Participant communication; Named fiduciary; Direct payment from the plan Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE INSURNACE CO. | Contract Administrator; Direct payment from the plan; Other services; Float revenue; Participant communication; Claims processing; Non-monetary compensation; Named fiduciary Service code 12 | — | $0 |
| WILLIS CORP. OF MARYLAND BROKER | Insurance brokerage commissions and fees Service code 53 | 12505 PARK POTOMAC AVE POTOMAC, MD 20854 | $0 |
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 | 7,283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,277 | $8.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,277 | $8.0M |
| Vision | VISION SERVICE PLAN | 4,438 | $626K |
| Life insurance(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,035 | $15.5M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 6,035 | $7.5M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 6,035 | $7.5M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,553 | $3.5M |
| Other(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10,852 | $8.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,852 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.