| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 1203 EXECUTIVE PLAZA 3 BALTIMORE, MD 21031 | CAREFIRST OF MARYLAND, INC. | $0 | $39K | $39K | 3.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 8.52% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $4K | 8.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $736 | $0 | $736 | 7.58% |
| BERNARD L JESSUP III3 Filed as: BERNARD L. JESSUP III | 44 KULLEN DRIVE NEWARK, DE 19713 | AFLAC | $43 | $0 | $43 | 6.66% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $23 | $0 | $23 | 3.56% |
| CHRIS WALKER3 Filed as: CHRIS JOHN WALKER | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $12 | $0 | $12 | 1.86% |
| KENNETH B COFER3 Filed as: KENNETH B. COFER | 5950 SYMPHONY WOODS ROAD, SUITE 214 COLUMBIA, MD 21044 | AFLAC | $7 | $0 | $7 | 1.08% |
| JAMES M PITZ3 Filed as: JAMES M. PITZ | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | $0 | $1 | 0.15% |
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 | 65 | 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) | 65 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 74 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $52K |
| Vision | VISION SERVICE PLAN | 64 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 65 | $55K |
| Short-term disability | AFLAC | 1 | $646 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 65 | $55K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 74 | $1.1M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 65 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 77 | — |
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."
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.