| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RHONDA KEELING3 | 15274 NOTTINGHAM ROAD UPPER MARLBORO, MD 20772 | SYMETRA LIFE INSURANCE COMPANY | $13K | — | $13K | 12.04% |
| RHONDA KEELING5 | 15274 NOTTINGHAM ROAD UPPER MARLBORO, MD 20772 | CAREFIRST BLUECHOICE - THE DENTAL NETWORK, INC. | $3K | $60 | $3K | 5.12% |
| EBCA3 | P.O. BOX 10100 MCLEAN, VA 22102 | CAREFIRST BLUECHOICE - THE DENTAL NETWORK, INC. | — | $2K | $2K | 4.41% |
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 | 225 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAREFIRST BLUECHOICE - THE DENTAL NETWORK, INC. | 145 | $50K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 225 | $111K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 225 | $111K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 225 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.