| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CAREFIRST BLUECHOICE, INC. | $7K | $74K | $81K | 2.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 214 NORTH TRYON STREET, 46TH FLOOR CHARLOTTE, NC 28202 | CAREFIRST BLUECHOICE, INC. | $3K | $22K | $26K | 0.90% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | CAREFIRST BLUECHOICE, INC. | $3K | $16K | $19K | 0.65% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC. INS. GROUP, INC. | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC. | $0 | $17K | $17K | 0.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $419 | $30K | 7.14% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720 B ROCKLEDGE DRIVE BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 3.03% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 2.15% |
| MELISSA S LYNCH3 Filed as: MELISSA LYNCH | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 16.91% |
| ELLEN M CRAWFORD3 Filed as: ELLEN M. CRAWFORD | 616 ADMIRAL DRIVE, APARTMENT 361 ANNAPOLIS, MD 21401 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.97% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS, INC. | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.44% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.41% |
| JOSHUA M PINCUS SOKOLOFF3 Filed as: JOSHUA M. PINCUS-SOKOLOFF | 1474 STEVENSON STREET BALTIMORE, MD 21230 | TRANSAMERICA LIFE INSURANCE COMPANY | $348 | $0 | $348 | 0.83% |
| STEVEN D ZITOMER3 Filed as: STEVEN D. ZITOMER | 2336 WEST ENTRADA TRAIL, UNIT 31 SAINT GEORGE, UT 84770 | TRANSAMERICA LIFE INSURANCE COMPANY | $184 | $0 | $184 | 0.44% |
| DREW M. SKIBITSKY AND OTHER AGENTS3 | 1000 FELL STREET BALTIMORE, MD 21231 | TRANSAMERICA LIFE INSURANCE COMPANY | $136 | $0 | $136 | 0.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA INTERNATIONAL | $313 | $0 | $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 | 550 | 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) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 751 | $2.8M |
| Dental | CAREFIRST BLUECHOICE, INC. | 751 | $2.8M |
| Vision | CAREFIRST BLUECHOICE, INC. | 751 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 550 | $461K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 550 | $419K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 550 | $419K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 751 | $2.8M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 550 | $463K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 751 | — |
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.
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.