| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | CAREFIRST BLUECHOICE | $0 | $26K | $26K | 1.06% |
| MATHER BENEFIT ADMINISTRATORS, LLC5 Filed as: MATHER BENEFIT ADMINISTRATORS,LLC | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 8.97% |
| ISI OF MARYLAND LLC3 | 151 WEST ST. SUITE 303 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $9K | 19.07% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 212860000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| ISI OF MARYLAND LLC3 | 151 WEST ST. SUITE 303 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.28% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 212860000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $720 | $720 | 3.41% |
| GROUP VISION SERVICES MGMT INC3 Filed as: GROUP VISION SERVICE INC | 6700 ALEXANDER BELL DR #200 COLUMBIA, MD 21046 | FIDELITY SECURITY LIFE INSURANCE | $0 | $2K | $2K | 8.25% |
| FOREST T. JONES & COMPANY3 Filed as: FOREST T JONES & COMPANY | GROUP INSURANCE ADMINISTRATORS 3130 BROADWAY KANSAS CITY, MO 64141 | FIDELITY SECURITY LIFE INSURANCE | $0 | $970 | $970 | 5.31% |
| FIRST AMERICAN ADMIN3 | 4000 LUXOTTICA PLACE MASON, OH 60693 | FIDELITY SECURITY LIFE INSURANCE | $0 | $495 | $495 | 2.71% |
| BRIAN M. GOFF3 Filed as: BRIAN M GOFF | ISI OF MARYLAND LLC 151 WEST ST STE 303 ANNAPOLIS, MD 21401 | FIDELITY SECURITY LIFE INSURANCE | $453 | $0 | $453 | 2.48% |
| AARON C. DAVIS3 Filed as: AARON DAVIS | NEXT LOGICAL BENEFIT STRATEGIES 377 N TANNERY RD WESTMINISTER, MD 21157 | FIDELITY SECURITY LIFE INSURANCE | $289 | $0 | $289 | 1.58% |
| ADVANCED HEALTH CARE PRODUCTS3 | 3717 CENTER STREET CINCINNATI, OH 45227 | FIDELITY SECURITY LIFE INSURANCE | $0 | $222 | $222 | 1.21% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 417 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 420 | $97K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 310 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 385 | $21K |
| Prescription drug | CAREFIRST BLUECHOICE | 417 | $2.5M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 385 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.