| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 NORTH PARK DRIVE, SUITE 500 COCKEYSVILLE, MD 21030 | CAREFIRST BLUECHOICE, INC. | $60 | $51K | $51K | 4.57% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | $0 | $15K | $15K | 1.34% |
| EMPLOYEE BENEFIT SVCS OF MARYLAND3 | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | CAREFIRST BLUECHOICE, INC. | $0 | $9K | $9K | 0.83% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.00% |
| UNKNOWN3 | UNKNOWN ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.26% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 188 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $115K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $115K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 188 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.