| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CFA LLC5 Filed as: CFA ADMINISTRATORS LLC | 1501 S CLINTON ST BALTIMORE, MD 21221 | CAREFIRST ADMINISTRATORS/CAREFIRST BC/BS | $113K | $324K | $437K | 132.74% |
| CFA LLC5 Filed as: CFA ADMINISTRATORS LLC | 1501 S CLINTON ST BALTIMORE, MD 21224 | CAREFIRST ADMINISTRATORS/CAREFIRST BC/BS | — | $285K | $285K | 86.50% |
| CBG3 Filed as: CBG INC | 100 SPARKS VALLEY RD A SPARKS, MD 21152 | CAREFIRST ADMINISTRATORS/CAREFIRST BC/BS | — | $105K | $105K | 31.97% |
| CFA LLC5 Filed as: CFA ADMINISTRATORS LLC | 1501 S CLINTON ST BALTIMORE, MD 21221 | CAREFIRST ADMINISTRATORS/CAREFIRST BC/BS | — | $39K | $39K | 11.84% |
| CBG3 Filed as: CBG INC | 100 SPARKS VALLEY RD A SPARKS, MD 21152 | AUL/ONEAMERICA | $36K | — | $36K | 15.00% |
| CBG3 Filed as: CBG INC | 100 SPARKS VALLEY RD SUITE A SPARKS, MD 21152 | PRINCIPAL LIFE INSURANCE CO | $23K | — | $23K | 9.98% |
| CBG3 Filed as: CBG INC | 100 SPARKS VALLEY RD SUITE A SPARKS, MD 21152 | AUL/ONEAMERICA | $30K | — | $30K | 15.00% |
| CBG3 Filed as: CBG INC | 100 SPARKS VALLEY RD A SPARKS, MD 21152 | AUL/ONEAMERICA | $22K | — | $22K | 15.00% |
| CBG3 Filed as: CBG INC | 100 SPARKS VALLEY RD SUITE A SPARKS, MD 21152 | ADVANTICA | $3K | — | $3K | 10.00% |
| CBG3 Filed as: CBG INC | 100 SPARKS VALLEY RD SUITE A SPARKS, MD 21152 | AUL/ONEAMERICA | $4K | — | $4K | 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 | 641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST ADMINISTRATORS/CAREFIRST BC/BS | 634 | $329K |
| Dental | PRINCIPAL LIFE INSURANCE CO | 1,019 | $229K |
| Vision | ADVANTICA | 915 | $32K |
| Life insurance(2 contracts) | AUL/ONEAMERICA | 576 | $173K |
| Short-term disability | AUL/ONEAMERICA | 573 | $238K |
| Long-term disability | AUL/ONEAMERICA | 251 | $201K |
| Prescription drug | CAREFIRST ADMINISTRATORS/CAREFIRST BC/BS | 634 | $329K |
| Stop-loss / reinsurancereinsurance | CAREFIRST ADMINISTRATORS/CAREFIRST BC/BS | 634 | $329K |
| Other | AUL/ONEAMERICA | 363 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,019 | — |
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.