| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W PHILLIPS & COMPANY | 80 M STREET SOUTHEAST SUITE 350 WASHINGTON, DC 20003 | CAREFIRST OF MARYLAND INC | $4K | $62K | $66K | 3.76% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST OF MARYLAND INC | — | $10K | $10K | 0.56% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W PHILLIPS & COMPANY | 80 M STREET SOUTHEAST SUITE 350 WASHINGTON, DC 20003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $500 | $10K | 7.70% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W PHILLIPS & COMPANY | 80 M STREET SOUTHEAST SUITE 350 WASHINGTON, DC 20003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $494 | — | $494 | 3.54% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W PHILLIPS & COMPANY | 80 M STREET SOUTHEAST SUITE 350 WASHINGTON, DC 20003 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $149 | — | $149 | 1.50% |
| JAY E. BLACK3 Filed as: JAY E BLACK | 1400 MIDHURST COURT BEL AIR, MD 21014 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 1.30% |
| CARMEN AIDA CRUZ3 | 2707 SARDIS CHASE COURT BUFORD, GA 30519 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 1.10% |
| ANN MARIE BENT3 | 7551 ORCHID HAMMOCK DRIVE WEST PALM BEACH, FL 33412 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 1.10% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND INC | 124 | $1.7M |
| Dental | CAREFIRST OF MARYLAND INC | 124 | $1.7M |
| Vision | CAREFIRST OF MARYLAND INC | 124 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $140K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $130K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $130K |
| Prescription drug | CAREFIRST OF MARYLAND INC | 124 | $1.7M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.