| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMERCIAL INSURANCE MANAGERS3 Filed as: COMMERCIAL INSURANCE MANAGERS INC | 8600 FOUNDRY STREET BOX 2030 SAVAGE, MD 20763 | CAREFIRST OF MARYLAND, INC. | $4K | $77K | $81K | 3.61% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST OF MARYLAND, INC. | — | $28K | $28K | 1.23% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST OF MARYLAND, INC. | — | $10K | $10K | 0.43% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE G | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $116 | $13K | $13K | 4.63% |
| COMMERCIAL INSURANCE MANAGERS3 | BOX 2030 8600 FOUNDRY STREET SAVAGE, MD 20763 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 4.35% |
| COMMERCIAL INSURANCE MANAGERS3 | BOX 2030 8600 FOUNDRY STREET SAVAGE, MD 20763 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.83% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE G | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $263 | $1K | $1K | 5.62% |
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 | 327 | 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) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 582 | $2.3M |
| Dental | CAREFIRST OF MARYLAND, INC. | 582 | $2.3M |
| Vision | CAREFIRST OF MARYLAND, INC. | 582 | $2.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 378 | $318K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 378 | $292K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 378 | $292K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 582 | $2.3M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 378 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.