| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 PARK POTOMAC DRIVE SUITE 300 POTOMAC, MD 20854 | CAREFIRST BLUECHOICE, INC. | $0 | $47K | $47K | 3.78% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | CAREFIRST BLUECHOICE, INC. | $0 | $14K | $14K | 1.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 PARK POTOMAC DRIVE SUITE 300 POTOMAC, MD 20854 | DELTA DENTAL OF VIRGINIA | $4K | $0 | $4K | 3.81% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | DELTA DENTAL OF VIRGINIA | $1K | $0 | $1K | 1.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 225 SCHILLING CIRCLE HUNT VALLEY, MD 21030 | THE STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 8.10% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | THE STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 3.96% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS GLENCO, MD 21152 | THE STANDARD INSURANCE COMPANY | $577 | $0 | $577 | 0.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CALIFORNIA, INC. | PO BOX 101162 PASADENA, CA 91189 | THE STANDARD INSURANCE COMPANY | $0 | $444 | $444 | 0.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 307 INTERNATIONAL DRIVE, 4TH FLOOR COCKEYSVILLE, MD 21030 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.73% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 198 | $1.2M |
| Dental | DELTA DENTAL OF VIRGINIA | 224 | $105K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 94 | $12K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 151 | $103K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 151 | $103K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 151 | $103K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 198 | $1.2M |
| Other | THE STANDARD INSURANCE COMPANY | 151 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.