| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $74K | $80K | 3.46% |
| CAPTIAL SERVICES CORPORATION3 Filed as: CAPTIAL SERVICES INC | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | UNITEDHEALTHCARE INSURANCE COMPANY | -$8 | $5K | $5K | 0.23% |
| BRANCH BENEFITS CONSULTANTS3 Filed as: BRANCH BENEFITS CONSULTANTS DBA BRA | 4584 NORTH RANCHO DRIVE SUITE 400 LAS VEGAS, NV 89130 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 10.00% |
| MATTHEW W EVANS3 | 127 BOONE TRAIL SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | — | $23K | 20.71% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 15.52% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 13.95% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC. | 29 WEST SUSQUEHANNA AVENUE SUITE 400 TOWSON, MD 21204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.98% |
| DREW SKIBITSKY3 | 11285 DOVEDALE COURT MARIOTTSVILLE, MD 21104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $530 | — | $530 | 0.48% |
| JOHN A LECKLITER3 Filed as: JOHN ALFRED LECKLITER JR | 2454 BARONSMEDE COURT WINTER GARDEN, FL 34787 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | — | $102 | 0.09% |
| WILLIAM FEDO3 | 3224 SUMMIT AVENUE PARKVILLE, MD 21234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.06% |
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 | 658 | 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) | 658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 528 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 528 | $2.3M |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 803 | $237K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 803 | $237K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 803 | $237K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 803 | $237K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 528 | $2.3M |
| Other(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 803 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 803 | — |
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.