| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP, INC | 600 WASHINGTON AVENUE, SUITE 104 TOWSON, MD 21204 | CAREFIRST BLUECHOICE | $0 | $18K | $18K | 1.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 406 75 JOHN ROBERTS ROAD, BUILDING C SOUTH PORTLAND, ME 04112 | CAREFIRST BLUECHOICE | $0 | $69 | $69 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 16.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 470 PARK AVENUE SOUTH, 6TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $691 | $691 | 1.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $912 | $912 | 5.30% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORPORATION | $716 | $0 | $716 | 4.16% |
| USI INSURANCE SERVICES LLC3 | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | ALPHA DENTAL PROGRAMS, INC. | $550 | $0 | $550 | 7.22% |
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 | 381 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 191 | $1.6M |
| Dental | ALPHA DENTAL PROGRAMS, INC. | 85 | $8K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 288 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 381 | $64K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 381 | $64K |
| Prescription drug | CAREFIRST BLUECHOICE | 191 | $1.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 381 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.