| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAY DEADRICK AND MARSHALL INC3 | 10732 BALTIMORE AVENUE BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $2K | $29K | $31K | 5.07% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 20 S KING STREET LEESBURG, VA 20175 | CAREFIRST BLUECHOICE, INC. | $1K | $14K | $15K | 2.41% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY BELTSVILLE, MA 21152 | CAREFIRST BLUECHOICE, INC. | $0 | $6K | $6K | 0.89% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP INC | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | HARTFORD LIFE AND ACCIDENT | $3K | $2K | $5K | 12.34% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 1511 BALTIMORE 2ND FLOOR KANSAS CITY, MA 64108 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 3.15% |
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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 209 | $620K |
| Dental | CAREFIRST BLUECHOICE, INC. | 209 | $620K |
| Vision | CAREFIRST BLUECHOICE, INC. | 209 | $620K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 314 | $37K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 314 | $37K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 314 | $37K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 209 | $620K |
| Other | HARTFORD LIFE AND ACCIDENT | 314 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.