| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISI OF MARYLAND LLC3 | 151 WEST STREET SUITE 303 ANNAPOLIS, MD 21401 | CAREFIRST BLUECHOICE | $94K | $10K | $104K | 5.54% |
| BRIAN M. GOFF3 Filed as: BRIAN GOFF | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | HEALTHPARTNERS, INC | — | $9K | $9K | 2.68% |
| DAVID MCINTYRE3 Filed as: DAVID E. MAXWELL | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | HEALTHPARTNERS, INC | — | $1K | $1K | 0.30% |
| ISI OF MARYLAND LLC3 | 151 WEST STREET SUITE 303 ANNAPOLIS, MD 21401 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.93% |
| ISI OF MARYLAND LLC3 | 151 WEST STREET SUITE 303 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 12.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAYLINE RISK MANAGEMENT | 3700 KOPPERS STREET SUITE 510 BALTIMORE, MD 21227 | VISION SERVICE PLAN | $466 | — | $466 | 0.86% |
| ISI OF MARYLAND LLC3 | 151 WEST STREET SUITE 303 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 12.00% |
| ISI OF MARYLAND LLC3 | 151 WEST STREET SUITE 303 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| ISI OF MARYLAND LLC3 | 151 WEST STREET SUITE 303 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.00% |
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 | 512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 232 | $2.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 397 | $152K |
| Vision | VISION SERVICE PLAN | 305 | $54K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 697 | $36K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 258 | $78K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $27K |
| Prescription drug | CAREFIRST BLUECHOICE | 232 | $1.9M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 697 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.