| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RCM AND D3 Filed as: RCM&D, INC. | 4 NORTH PARK DRIVE-SUITE 500 COCKEYSVILLE, MD 21030 | CAREFIRST OF MARYLAND, INC. | $11K | — | $11K | 3.61% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP INC. | 10451 MILL RUN CIRCLE-SUITE 570 OWINGS MILLS, MD 21117 | CAREFIRST OF MARYLAND, INC. | — | $5K | $5K | 1.77% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE CMPANY OF AMERICA | $2K | $44 | $2K | 15.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MD 63122 | UNUM LIFE INSURANCE CMPANY OF AMERICA | — | $581 | $581 | 4.69% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE CMPANY OF AMERICA | $1K | — | $1K | 12.22% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMMOUNT AVE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE CMPANY OF AMERICA | $1K | $25 | $1K | 15.36% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MD 63122 | UNUM LIFE INSURANCE CMPANY OF AMERICA | — | $331 | $331 | 4.62% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE CMPANY OF AMERICA | $567 | — | $567 | 13.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LIMITED | 1288 VALLEY FORGE DRIVE - #57 PHOENIXVILLE, PA 19460 | AETNA LIFE INSURANCE COMPANY | $335 | — | $335 | 8.91% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INTERNATIONAL NORTHEST LIMITED | 401 BROADHOLLOW ROAD 3RD FLOOR, SUITE 303 MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $67 | — | $67 | 1.78% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMONT AVE BALTIMORE, MD 21286 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $244 | $7 | $251 | 10.30% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD- STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $109 | $109 | 4.47% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 48 | $305K |
| Dental | CAREFIRST OF MARYLAND, INC. | 48 | $305K |
| Vision(2 contracts, 2 carriers) | CAREFIRST OF MARYLAND, INC. | 62 | $308K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE CMPANY OF AMERICA | 111 | $10K |
| Short-term disability | UNUM LIFE INSURANCE CMPANY OF AMERICA | 11 | $9K |
| Long-term disability | UNUM LIFE INSURANCE CMPANY OF AMERICA | 13 | $12K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 48 | $305K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE CMPANY OF AMERICA | 111 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.