| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE INC | $18K | $3K | $21K | 4.94% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE INC | $2K | $12K | $14K | 3.20% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE INC | — | $4K | $4K | 0.89% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE INC | — | $524 | $524 | 0.12% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 14.75% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $395 | $2K | 4.44% |
| HMS INSURANCE ASSOCIATES INC3 | PO BOX 1750 COCKEYSVILLE, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 6.41% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.75% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $596 | — | $596 | 1.69% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE INC | 0 | $426K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 90 | $35K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 90 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $54K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $54K |
| Prescription drug | CAREFIRST BLUECHOICE INC | 0 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.