| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES LLC | 204 CATOCTIN CIRCLE SE 2ND FLOOR LEESBURG, VA 20175 | CAREFIRST BLUECHOICE INC | $54 | $21K | $21K | 3.00% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE INC | — | $9K | $9K | 1.37% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.56% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES LLC | 300 NORTH MAIN STREET MOOREFIELD, WV 26836 | STANDARD INSURANCE COMPANY | $2K | $177 | $2K | 2.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 204 CATOCTIN CIRCLE SE 2ND FLOOR LEESBURG, VA 20175 | STANDARD INSURANCE COMPANY | $601 | — | $601 | 0.69% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE HUNT VALLEY, MA 21030 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES LLC | 300 NORTH MAIN STREET MOOREFIELD, WV 26836 | STANDARD INSURANCE COMPANY | $2K | $334 | $2K | 3.89% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 204 CATOCTIN CIRCLE SE 2ND FLOOR LEESBURG, VA 20175 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.08% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES LLC | 300 NORTH MAIN STREET MOOREFIELD, WV 26836 | STANDARD INSURANCE COMPANY | $3K | $321 | $3K | 6.50% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 204 CATOCTIN CIRCLE SE 2ND FLOOR LEESBURG, VA 20175 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.08% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE STE 310 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES LLC | 300 NORTH MAIN STREET MOOREFIELD, WV 26836 | STANDARD INSURANCE COMPANY | $1K | $199 | $2K | 4.74% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 204 CATOCTIN CIRCLE SE 2ND FLOOR LEESBURG, VA 20175 | STANDARD INSURANCE COMPANY | $998 | — | $998 | 2.91% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES LLC | 300 NORTH MAIN STREET MOOREFIELD, WV 26836 | STANDARD INSURANCE COMPANY | $715 | $142 | $857 | 5.13% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 204 CATOCTIN CIRCLE SE 2ND FLOOR LEESBURG, VA 20175 | STANDARD INSURANCE COMPANY | $269 | — | $269 | 1.61% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE INC | 230 | $688K |
| Dental | STANDARD INSURANCE COMPANY | 118 | $88K |
| Vision | STANDARD INSURANCE COMPANY | 110 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 171 | $34K |
| Short-term disability | STANDARD INSURANCE COMPANY | 171 | $63K |
| Long-term disability | STANDARD INSURANCE COMPANY | 171 | $51K |
| Prescription drug | CAREFIRST BLUECHOICE INC | 230 | $688K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.