| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 MCORMICK ROAD EXECUTIVE PLAZA, SUITE 1203 BALTIMORE, MD 21031 | CAREFIRST BLUECHOICE, INC. | $0 | $15K | $15K | 0.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $63 | $63 | 0.02% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $1K | $0 | $1K | 6.13% |
| NATIONAL CAPITAL INSURANCE AGENCY3 Filed as: NATIONAL CAPITAL INS. AGENCY, INC | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | DEARBORN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 7.34% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $2K | $0 | $2K | 17.65% |
| EDDIE PETERS4 | 13121 GENTRY DRIVE HAGERSTOWN, MD 21742 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $637 | $0 | $637 | 9.94% |
| LESLIE B SIER4 Filed as: LESLIE B. SIER | 3067 GREEN VALLEY ROAD IJAMESVILLE, MD 21754 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $449 | $0 | $449 | 7.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $0 | $598 | $598 | 20.01% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | ACE AMERICAN INSURANCE COMPANY | $448 | $0 | $448 | 14.99% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 387 | $3.0M |
| Dental | CAREFIRST BLUECHOICE, INC. | 387 | $3.0M |
| Vision | VISION SERVICE PLAN | 169 | $16K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $350K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $335K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $335K |
| Prescription drug(3 contracts, 3 carriers) | CAREFIRST BLUECHOICE, INC. | 387 | $3.1M |
| Other(6 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.