| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CFA LLC5 Filed as: CFA ADMINISTRATORS | 1501 S. CLINTON ST. BALTIMORE, MD 21224 | CFA | $54K | $1.1M | $1.2M | 196.09% |
| CBG3 | 913 RIDGEBROOK ROAD SUITE 218 SPARKS, MD 21152 | PRINCIPAL | $38K | — | $38K | 9.19% |
| CBG3 | 913 RIDGEBROOK ROAD SUITE 218 SPARKS, MD 21152 | AUL | $49K | — | $49K | 15.00% |
| CBG3 | 913 RIDGEBROOK ROAD SUITE 218 SPARKS, MD 21152 | AUL | $9K | — | $9K | 15.00% |
| CBG3 | 913 RIDGEBROOK ROAD SUITE 218 SPARKS, MD 21152 | ADVANTICA | $6K | — | $6K | 9.84% |
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 | 705 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CFA | 580 | $604K |
| Dental | PRINCIPAL | 1,499 | $409K |
| Vision | ADVANTICA | 1,477 | $60K |
| Life insurance | AUL | 705 | $60K |
| Short-term disability | AUL | 708 | $327K |
| Prescription drug | CFA | 580 | $604K |
| Stop-loss / reinsurancereinsurance | CFA | 580 | $604K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.