| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RCM AND D3 | 555 FAIRMOUNT AVENUE TOWSON, MD 21286 | CAREFIRST BLUECHOICE, INC. | $13K | $91K | $104K | 2.60% |
| RCM AND D3 | 555 FAIRMOUNT AVENUE TOWSON, MD 21286 | HARTFORD LIFE AND ACCIDENT | $34K | $0 | $34K | 14.32% |
| RCM AND D3 | 4200 INNSLAKE DRIVE, SUITE 303 GLEN ALLEN, VA 23060 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.54% |
| DONOVAN INSURANCE GROUP INC3 Filed as: DONOVAN INSURANCE GROUP INC. | 1458 WILDERNESS RIDGE CROWNSVILLE, MD 21032 | HARTFORD LIFE AND ACCIDENT | $4 | $0 | $4 | 0.00% |
| RCM AND D3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | EYEMED | $2K | $0 | $2K | 9.88% |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 520 | $4.0M |
| Dental | CAREFIRST BLUECHOICE, INC. | 520 | $4.0M |
| Vision | EYEMED | 433 | $25K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 265 | $235K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 265 | $235K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 265 | $235K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 520 | $4.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 265 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.