| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CAREFIRST OF MARYLAND, INC. | $0 | $63K | $63K | 7.64% |
| MATHER & STROHL ADMIN SVCS INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SER | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST OF MARYLAND, INC. | $0 | $10K | $10K | 1.16% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC. | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | AMERITAS LIFE INSURANCE COMPANY | $13K | $1K | $14K | 8.83% |
| EBSME LLC3 Filed as: EBSME, LLC | P.O. BOX 120 MOUNT AIRY, MD 21771 | AMERITAS LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.00% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 9.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MT. AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $423 | $2K | $2K | 3.71% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $960 | $6K | 15.21% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MT. AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $507 | $821 | $1K | 3.66% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $856 | $4K | 13.39% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MT. AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $349 | $897 | $1K | 4.17% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $730 | $207 | $937 | 11.55% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MT. AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $81 | $243 | $324 | 3.99% |
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 | 379 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 144 | $830K |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 224 | $155K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 224 | $155K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 380 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 379 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 379 | $30K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 144 | $830K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 380 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.