| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | CAREFIRST OF MARYLAND, INC. | — | $81K | $81K | 3.55% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST OF MARYLAND, INC. | — | $24K | $24K | 1.05% |
| AMWINS3 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | $8K | — | $8K | 4.35% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | EXPRESS SCRIPTS, INC. PRESCRIPTION DRUG PLAN | $4K | — | $4K | 2.18% |
| AMWINS3 | 50 WHITECAP CROVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY MEDICARE SUPPLEMENT | $13K | — | $13K | 11.53% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 5000 HUNT VALLEY, MA 21031 | TRANSAMERICA INSURANCE COMPANY MEDICARE SUPPLEMENT | $7K | — | $7K | 5.87% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP | 1 KELLY WAY SPARKS, MD 21152 | HARTFORD LIFE AND ACCIDENT | $2K | $3K | $5K | 22.84% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAREFIRST OF MARYLAND, INC. | 176 | $2.4M |
| Dental | CAREFIRST OF MARYLAND, INC. | 176 | $2.3M |
| Vision | CAREFIRST OF MARYLAND, INC. | 176 | $2.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 152 | $22K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST OF MARYLAND, INC. | 176 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.