| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W. PHILLIPS & CO. | 80 M STREET SE SUITE 350 WASHINGTON, DC 20003 | CAREFIRST BLUECHOICE | $26K | $5K | $32K | 4.61% |
| DIANA LEWIS5 Filed as: DIANA THOMPSON | — | CAREFIRST BLUECHOICE | $8K | — | $8K | 1.18% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INS GROUP | 1 KELLY WAY SPARKS, MD 20774 | CAREFIRST BLUECHOICE | — | $4K | $4K | 0.58% |
| CBIZ BENEFITS & INSURANCE SERVICES5 Filed as: CBIZ MT DONAHOE & ASSOC | 9755 PATUXENT WOODS DR SUUITE 250 COLUMBIA, MD 21152 | CAREFIRST BLUECHOICE | — | $2K | $2K | 0.26% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W. PHILLIPS & COMPANY | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.89% |
| DIANA LEWIS3 Filed as: DIANA THOMPSON | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.31% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W. PHILLIPS & COMPANY | 80 M STREET STE. 350 WASHINGTON, DC 20003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $86 | $2K | 12.24% |
| DIANA LEWIS3 Filed as: DIANA THOMPSON | 12307 MARKBY CT. UPPER MARLBORO, MD 20774 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $620 | — | $620 | 3.20% |
| HOWARD W PHILLIPS CO3 Filed as: HOWARD W PHILLIPS COMPANY | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $343 | $1K | 13.09% |
| DIANA LEWIS3 Filed as: DIANA THOMPSON | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $550 | — | $550 | 5.09% |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 95 | $689K |
| Dental | CAREFIRST BLUECHOICE | 95 | $689K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $30K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $30K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $64K |
| Prescription drug | CAREFIRST BLUECHOICE | 95 | $689K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.