| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL BENEFITS LLC | 364 MAIN STREET, 2ND FLOOR GAITHERSBURG, MD 20878 | CAREFIRST OF MARYLAND, INC. | $8K | $107K | $115K | 5.68% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER AND STROHL ADMIN. SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST OF MARYLAND, INC. | $0 | $29K | $29K | 1.41% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL BENEFITS LLC | 364 MAIN STREET, 2ND FLOOR GAITHERSBURG, MD 20878 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 8.89% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| JOSHUA M LAVINE3 Filed as: JOSHUA MATTHEW LAVINE | 364 MAIN STREET, 2ND FLOOR GAITHERSBURG, MD 20878 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.38% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 491 | $2.0M |
| Dental | CAREFIRST OF MARYLAND, INC. | 491 | $2.0M |
| Vision | CAREFIRST OF MARYLAND, INC. | 491 | $2.0M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 340 | $107K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 340 | $107K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 340 | $107K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 491 | $2.0M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 340 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.