| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 540 FORT EVANS RD NE, SUITE 301 LEESBURG, VA 20176 | CAREFIRST OF MARYLAND INC | — | $52K | $52K | 2.94% |
| BENEFIT DESIGN GROUP INC5 | 10451 MILL RUN CIRCLE SUITE 570 OWINGS MILLS, MD 21117 | CAREFIRST OF MARYLAND INC | — | $22K | $22K | 1.26% |
| HILB GROUP OF NEW ENGLAND Filed as: THE HILB GROUP OF MARYLAND | 540 FORT EVANS RD NE, SUITE 301 LEESBURG, VA 20176 | HEALTHKEEPERS, INC. | $13K | — | $13K | 2.35% |
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 | 320 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND INC | 293 | $1.8M |
| Dental | CAREFIRST OF MARYLAND INC | 293 | $1.8M |
| Prescription drug | CAREFIRST OF MARYLAND INC | 293 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.