| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE | $46K | $13K | $59K | 6.40% |
| BENEFITMALL5 Filed as: BENEFITMALL/MATHER & STROHL ADMINIS | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE | $0 | $12K | $12K | 1.29% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | GUARDIAN | $7K | $0 | $7K | 7.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTER DRIVE SUITE 400S DALLAS, TX 75251 | GUARDIAN | $3K | $0 | $3K | 3.00% |
| EBSME LLC3 Filed as: EBSME | 4704 DEINVIERNO WAY MOUNT AIRY, MD 21771 | GUARDIAN | $2K | $0 | $2K | 2.00% |
| FINANCIAL BALANCE GROUP LLC3 Filed as: FINANCIAL BALANCE GROUP, LLC | — | GUARDIAN | $282 | $0 | $282 | 0.30% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $604 | $7K | 11.54% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | VISION SERVICE PLAN | $951 | — | $951 | 5.12% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.00% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $984 | $0 | $984 | 24.00% |
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 | 354 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 162 | $917K |
| Dental | GUARDIAN | 181 | $93K |
| Vision | VISION SERVICE PLAN | 187 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 354 | $65K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 354 | $65K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 354 | $65K |
| Prescription drug | CAREFIRST BLUECHOICE | 162 | $917K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 354 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.