| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CFA LLC5 Filed as: CFA ADMINISTRATORS | 1501 S CLINTON ST BALTIMORE, MD 21221 | CAREFIRST ADMINISTRATORS | — | $445K | $445K | 123.75% |
| CFA LLC5 Filed as: CFA ADMINISTRATORS | 1501 S CLINTON ST BALTIMORE, MD 21224 | CAREFIRST ADMINISTRATORS | — | $360K | $360K | 100.00% |
| CBG3 Filed as: CBG INC | 100 SPARKS VALLEY RD SPARKS, MD 21152 | CAREFIRST ADMINISTRATORS | — | $131K | $131K | 36.47% |
| CFA LLC5 Filed as: CFA ADMINISTRATORS | 1501 S CLINTON ST BALTIMORE, MD 21221 | CAREFIRST ADMINISTRATORS | — | $43K | $43K | 12.04% |
| CFA ADMINSTRATORS5 | 1501 S CLINTON ST BALTIMORE, MD 21221 | CAREFIRST ADMINISTRATORS | — | $6K | $6K | 1.71% |
| CBG3 Filed as: CBG INC | 100 SPARKS VALLEY RD SUITE A SPARKS, MD 21152 | PRINCIPAL | $21K | — | $21K | 10.02% |
| CBG3 Filed as: CBG INC | 100 SPARKS VALLEY RD SUITE A SPARKS, MD 21152 | AUL | $23K | — | $23K | 15.00% |
| CBG3 Filed as: CBG INC | 100 SPARKS VALLEY ROAD SUITE A SPARKS, MD 21152 | AUL | $17K | — | $17K | 15.00% |
| CBG3 Filed as: CBG INC | 100 SPARKS VALLEY RD SUITE A SPARKS, MD 21152 | AUL | $16K | — | $16K | 15.00% |
| CBG3 Filed as: CBG INC | 100 SPARKS VALLEY WAY SUITE A SPARKS, MD 21152 | ADVANTICA | $4K | — | $4K | 9.53% |
| CBG3 Filed as: CBG INC | 100 SPARKS VALLEY RD SUITE A SPARKS, MD 21152 | AUL/ONEAMERICA | $3K | — | $3K | 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 | 1,155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST ADMINISTRATORS | 708 | $360K |
| Dental | PRINCIPAL | 1,155 | $211K |
| Vision | ADVANTICA | 1,134 | $43K |
| Life insurance | AUL/ONEAMERICA | 641 | $19K |
| Short-term disability | AUL | 640 | $152K |
| Long-term disability | AUL | 278 | $115K |
| Prescription drug | CAREFIRST ADMINISTRATORS | 708 | $360K |
| Stop-loss / reinsurancereinsurance | CAREFIRST ADMINISTRATORS | 708 | $360K |
| Other | AUL | 439 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,155 | — |
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.