| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONOVAN INSURANCE GROUP INC3 | 1458 WILDERNESS RIDGE CROWNSVILLE, MD 21032 | HARTFORD LIFE AND ACCIDENT | $27K | — | $27K | 14.71% |
| DONOVAN INSURANCE GROUP INC3 | 1458 WILDERNESS RIDGE TERRACE CROWNSVILLE, MD 21032 | GHMSI/CAREFIRST BLUECHOICE | $3K | — | $3K | 3.00% |
| DONOVAN INSURANCE GROUP INC3 | 1458 WILDERNESS RIDGE TERRACE CROWNSVILLE, MD 21032 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $671 | — | $671 | 2.48% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI/CAREFIRST BLUECHOICE | 222 | $104K |
| Dental | GHMSI/CAREFIRST BLUECHOICE | 222 | $104K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 241 | $27K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 295 | $186K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 295 | $186K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 295 | $186K |
| Prescription drug | GHMSI/CAREFIRST BLUECHOICE | 222 | $104K |
| Other | HARTFORD LIFE AND ACCIDENT | 295 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.