| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 214 N TYRON ST. FLOOR 46 CHARLOTTE, NC 28202 | CAREFIRST BLUECHOICE, INC. | $9K | $94K | $103K | 4.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | GUARDIAN | $31K | $9K | $40K | 12.91% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | GUARDIAN | $9K | — | $9K | 2.74% |
| MELISSA S LYNCH3 Filed as: MELISSA LYNCH | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | — | $12K | 27.47% |
| ELLEN M CRAWFORD3 | 616 ADMIRAL DRIVE APT 361 ANNAPOLIS, MD 21401 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.51% |
| M W E SOLUTIONS, INC.3 | 8370 VETERANS HIGHWAY STE 101 MILLERSVILLE, MD 21108 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.93% |
| MATTHEW W EVANS3 | 8370 VETERANS HWY SUITE 101 MILLERSVILLE, MD 21108 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.04% |
| DREW SKIBITSKY3 Filed as: DREW M SKIBITSKY | 1000 FELL STREET BALTIMORE, MD 212313560 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.67% |
| JOSHUA M PINCUS SOKOLOFF3 Filed as: JOSHUA M PINCUS-SOKOLOFF | 1474 STEVENSON ST BALTIMORE, MD 212305109 | TRANSAMERICA LIFE INSURANCE COMPANY | $530 | — | $530 | 1.25% |
| STEVEN D ZITOMER3 | 2336 W ENTRADA TRL UNIT 31 SAINT GEORGE, UT 847706276 | TRANSAMERICA LIFE INSURANCE COMPANY | $197 | — | $197 | 0.47% |
| ACRISURE LLC3 | DBA POTOMAC INSURANCE 1803 RESEARCH BLVD STE 604 ROCKVILLE, MD 20850 | TRANSAMERICA LIFE INSURANCE COMPANY | $63 | — | $63 | 0.15% |
| ADVANBEN MIDATLANTIC, LLC3 | 2 BALA PLAZA SUITE 300 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $287 | — | $287 | 2.95% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA INTERNATIONAL | $313 | — | $313 | 15.00% |
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 | 472 | 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) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 602 | $2.1M |
| Dental(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 602 | $2.4M |
| Vision(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 602 | $2.4M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 486 | $354K |
| Short-term disability | GUARDIAN | 486 | $312K |
| Long-term disability | GUARDIAN | 486 | $312K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 602 | $2.1M |
| Other(4 contracts, 4 carriers) | GUARDIAN | 486 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.