| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSLMAN MICHAELS & DOWNES | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | CAREFIRST BLUECHOICE, INC. | $0 | $138K | $138K | 4.50% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | $0 | $25K | $25K | 0.83% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSLMAN MICHAELS & DOWNES | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 7.89% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $16K | $16K | 6.85% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSLMAN MICHAELS & DOWNES | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | DELTA DENTAL OF PENNSYLVANIA | $9K | $0 | $9K | 5.00% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSLMAN MICHAELS & DOWNES | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 11.38% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.73% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.51% |
| RIGGS COUNSELMAN MICHAELS & DOWNES4 Filed as: RIGGS COUNSLMAN MICHAELS & DOWNES | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $1K | $0 | $1K | 8.69% |
| PHYLLIS ADAMS4 | 210 NORTH TYRONE ROAD BALTIMORE, MD 21212 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $746 | $0 | $746 | 6.16% |
| HILB GROUP OF NEW ENGLAND4 Filed as: THE HILB GROUP OF MARYLAND | 22934 THREE NOTCH ROAD, UNIT B CALIFORNIA, MD 20619 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $112 | $0 | $112 | 0.93% |
| LOCKTON COMPANIES, LLC4 | 1801 K STREET NW WASHINGTON, DC 20006 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $67 | $0 | $67 | 0.55% |
| MARY THERESA FISHER4 | 898 UNION CHURCH ROAD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $41 | $0 | $41 | 0.34% |
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 | 407 | 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) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 620 | $3.1M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 650 | $175K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $85K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 408 | $232K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 408 | $232K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 408 | $232K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 620 | $3.1M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 408 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.