| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK ROAD 200 TIMONIUM, MD 21093 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $7K | $0 | $7K | 1.89% |
| KEITH CREAMER3 | 1020 CROMWELL BRIDGE ROAD TOWSON, MD 21286 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | $2K | $5K | 1.42% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS CORPORATION | 1410 SPRING HILL ROAD SUITE 150 MC LEAN, VA 22102 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | $0 | $2K | 0.55% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD SUITE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $12K | $21K | 23.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $808 | $2K | 2.48% |
| CENTRAL MARYLAND INSURANCE ASSOC3 | 2045 YORK RD SUITE 200 TIMONIUM, MD 21093 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 5.87% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 423 CRYSTAL DOWNS CT OWINGS MILLS, MD 21117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 3.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DR SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $464 | $0 | $464 | 1.02% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | HARTFORD LIFE AND ACCIDENT | $2K | $1K | $4K | 23.20% |
| BROOKS FINANCIAL GROUP, INC.3 | 1020 CROMWELL BRIDGE RD TOWSON, MD 21286 | VISION SERVICE PLAN | $619 | $0 | $619 | 7.27% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $312 | $0 | $312 | 3.66% |
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 | 75 | 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) | 75 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 63 | $376K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 75 | $46K |
| Vision | VISION SERVICE PLAN | 68 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $92K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $92K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $92K |
| Other | HARTFORD LIFE AND ACCIDENT | 42 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 75 | — |
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.