| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRICKLER AGENCY, INC3 Filed as: STRICKLER AGENCY, INC. | 1200 E. MCKINLEY ST. CHAMBERSBURG, PA 17202 | CAREFIRST OF MARYLAND, INC. | $4K | $56K | $60K | 4.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 11350 MCCORMICK RD. EXECUTIVE PLAZA 3, SUITE 1203 BALTIMORE, MD 21031 | CAREFIRST OF MARYLAND, INC. | $3K | $27K | $30K | 2.31% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP, INC. | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST OF MARYLAND, INC. | — | $14K | $14K | 1.08% |
| GBL & ASSOCIATES, INC.3 | 6907 CHURCHILL CT. DOWNERS GROVE, IL 605163657 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.60% |
| HH BUSINESS ADVISORS, LLC3 | 8278 S. SAINT TROPEZ CV COTTONWOOD HEIGHTS, UT 840936511 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.60% |
| VINCENT GLENN BICICCHI3 | 6907 CHURCHILL CT. DOWNERS GROVE, IL 605163657 | PRINCIPAL LIFE INSURANCE COMPANY | $978 | — | $978 | 1.22% |
| CLINTON E. HALL3 | 59 COACHLAMP LANE DARIEN, CT 068205220 | PRINCIPAL LIFE INSURANCE COMPANY | $978 | — | $978 | 1.22% |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 146 | $1.3M |
| Dental | CAREFIRST OF MARYLAND, INC. | 146 | $1.3M |
| Vision | CAREFIRST OF MARYLAND, INC. | 146 | $1.3M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $80K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 182 | $80K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 146 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.