| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELNICK INS LLC3 Filed as: MELNICK INSURANCE LLC | 4 NORTH PARK DRIVE SUITE 400 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | — | $33K | $33K | 3.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONA MID ATLANTIC INC | 3290 NORTH RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | CAREFIRST BLUECHOICE, INC. | $498 | $25K | $26K | 3.00% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC | 11350 MCCORMICK ROAD EXECUTIVE PLAZA IV SUITE 400 COCKEYSVILLE, MD 21031 | CAREFIRST BLUECHOICE, INC. | — | $18K | $18K | 2.08% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | — | UNITED CONCORDIA INSURANCE COMPANY | $11K | $4K | $15K | 20.12% |
| MELNICK INS LLC3 | 79 RAISIN TREE CIRCLE PIKESVILLE, MD 21208 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 14.03% |
| KAREN A DEVINE3 | 167 FOOTHILLS DRIVE JOPPA, MD 21085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.92% |
| CEDAR POINT FINANCIAL SERVICE INC3 Filed as: CEDAR POINT FINANCIAL SERVICES INC | 22745 MAPLE ROAD LEXINGTON PARK, MD 20653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.34% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $638 | — | $638 | 1.98% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW DAVID DIPASQUUALE | 1202 JOMAT DRIVE JOPPA, MD 21085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $631 | — | $631 | 1.96% |
| MICHAEL C WALKER3 | 258 LEWIS STREET HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $370 | — | $370 | 1.15% |
| MICHAEL C WALKER3 | 258 LEWIS STREET HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.09% |
| MELNICK INS LLC3 | 79 RAISIN TREE CIRCLE PIKESVILLE, MD 21208 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.00% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 76 | $852K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 104 | $108K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 133 | $82K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 19 | $32K |
| Long-term disability | STANDARD INSURANCE COMPANY | 133 | $27K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 76 | $852K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 133 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.