| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPREHENSIVE BENE PLANNING, INC.3 | 913 RIDGEBROOK ROAD, SUITE 208 SPARKS, MD 21152 | CAREFIRST OF MARYLAND, INC. | $889 | $109K | $110K | 3.96% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | CAREFIRST OF MARYLAND, INC. | $171 | $19K | $19K | 0.68% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC. INS. GROUP, INC. | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST OF MARYLAND, INC. | $0 | $14K | $14K | 0.49% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER AND STROHL ADMIN SERVICES | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | CAREFIRST OF MARYLAND, INC. | $0 | $4K | $4K | 0.14% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INS. GROUP, INC. | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $14K | $32K | 15.41% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICES, LLC | 501 FARIMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $8K | $13K | 6.00% |
| COMPREHENSIVE BENEFIT PLANNING3 Filed as: COMPREHENSIVE BENEFIT PLAN, INC. | 913 RIDGEBROOK ROAD, SUITE 208 SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC. INS. GROUP, INC. | 1 KELLY WAY SPARKS, MD 21152 | DELTA DENTAL OF PENNSYLVANIA | $10K | $0 | $10K | 6.78% |
| ADVOCATE, INC.3 | 228 PARKE AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | DELTA DENTAL OF PENNSYLVANIA | $5K | $0 | $5K | 3.22% |
| COMPREHENSIVE BENE PLANNING, INC.3 | 913 RIDGEBROOK ROAD, SUITE 208 SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.41% |
| ADVOCATE, INC.3 Filed as: ADVOCATE NAVA BENEFITS | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.44% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC. INS. GROUP, INC. | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $774 | $774 | 2.94% |
| BENEFITMALL5 Filed as: BENEFITMALL, INC. | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $369 | $369 | 1.40% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 419 | $2.8M |
| Dental(2 contracts, 2 carriers) | CAREFIRST OF MARYLAND, INC. | 419 | $2.9M |
| Vision | CAREFIRST OF MARYLAND, INC. | 419 | $2.8M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $211K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $211K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $211K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 419 | $2.8M |
| Other(3 contracts, 3 carriers) | CAREFIRST OF MARYLAND, INC. | 419 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.