| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 NORTH PARK DRIVE, SUITE 500 COCKEYSVILLE, MD 21030 | CAREFIRST BLUECHOICE, INC. | $6K | $115K | $121K | 4.30% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CAREFIRST BLUECHOICE, INC. | $0 | $29K | $29K | 1.03% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD EXECUTIVE PLAZA IV, SUITE 400 COCKEYSVILLE, MD 21031 | CAREFIRST BLUECHOICE, INC. | $0 | $11K | $11K | 0.38% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS, COUNSELMAN, MICHAELS & DOWNE | 1500 WHETSTONE WAY, SUITE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.93% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.68% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSLMAN MICHAELS & DOWNES | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.63% |
| LOCKTON COMPANIES, LLC3 | TWO EMBARCADERO CENTER, SUITE 1700 SAN FRANCISCO, CA 94111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 8.91% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 8.66% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | UNKNOWN BALTIMORE, MD 21230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 8.01% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $614 | $0 | $614 | 1.62% |
| PHYLLIS ADAMS4 | 210 NORTH TYRONE ROAD BALTIMORE, MD 21212 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $958 | $0 | $958 | 8.25% |
| RIGGS COUNSELMAN MICHAELS & DOWNES4 | 4 NORTH PARK DRIVE, SUITE 500 COCKEYSVILLE, MD 21030 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $559 | $0 | $559 | 4.81% |
| 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 | $89 | $0 | $89 | 0.77% |
| LOCKTON COMPANIES, LLC4 | 1801 K STREET NW WASHINGTON, DC 20006 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $46 | $0 | $46 | 0.40% |
| MARY THERESA FISHER4 | 898 UNION CHURCH ROAD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $21 | $0 | $21 | 0.18% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 490 | $2.8M |
| Dental | CAREFIRST BLUECHOICE, INC. | 490 | $2.8M |
| Vision | CAREFIRST BLUECHOICE, INC. | 490 | $2.8M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $201K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $201K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $201K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 490 | $2.8M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.