| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CFA LLC5 Filed as: CFA ADMINISTRATORS | 1501 S. CLINTON ST. BALTIMORE, MD 21224 | CFA ADMINISTRATORS | — | $530K | $530K | 127.42% |
| CFA LLC5 Filed as: CFA ADMINISTRATORS | 1501 S. CLINTON ST. BALTIMORE, MD 21224 | CFA ADMINISTRATORS | — | $293K | $293K | 70.43% |
| CFA LLC5 Filed as: CFA ADMINISTRATORS | 1501 S. CLINTON ST. BALTIMORE, MD 21224 | CFA ADMINISTRATORS | — | $101K | $101K | 24.25% |
| CBG3 | 100 SPARKS VALLEY RD. SUITE A SPARKS, MD 21152 | CFA ADMINISTRATORS | $96K | — | $96K | 23.09% |
| CBG3 | 100 SPARKS VALLEY RD. SPARKS, MD 21152 | PRINCIPAL | $29K | — | $29K | 7.15% |
| CBG3 | 100 SPARKS VALLEY RD. SPARKS, MD 21152 | AUL | $22K | — | $22K | 15.00% |
| C BG3 | 100 SPARKS VALLEY RD. SPARKS, MD 21152 | ADVANTICA REINSURANCE COMPANY | $6K | — | $6K | 10.03% |
| CBG3 | 100 SPARKS VALLEY RD. SPARKS, MD 21152 | AUL | $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 | 1,360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CFA ADMINISTRATORS | 679 | $416K |
| Dental | PRINCIPAL | 1,499 | $409K |
| Vision | ADVANTICA REINSURANCE COMPANY | 1,360 | $55K |
| Life insurance | AUL | 730 | $27K |
| Short-term disability | AUL | 730 | $147K |
| Prescription drug | CFA ADMINISTRATORS | 679 | $416K |
| Stop-loss / reinsurancereinsurance | CFA ADMINISTRATORS | 679 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,499 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.