| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY C B FRANKLIN3 | 11019 MCCORMICK ROAD SUITE 110 HUNT VALLEY, MD 21031 | CAREFIRST OF MARYLAND, INC. | $2K | $27K | $29K | 2.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC INC | 3290 N RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | CAREFIRST OF MARYLAND, INC. | $1K | $22K | $24K | 2.08% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST OF MARYLAND, INC. | $0 | $14K | $14K | 1.21% |
| FRANKLIN FINANCIAL GROUP LLC3 | 11350 MCCORMICK ROAD SUITE 200 HUNT VALLEY, MD 21031 | CAREFIRST OF MARYLAND, INC. | $0 | $6K | $6K | 0.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC INC | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 11.66% |
| FRANKLIN FINANCIAL GROUP LLC3 | 11019 MCCORMICK ROAD STE 110 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.90% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INSURANCE GROUP, | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC INC | 11019 MCCORMICK ROAD STE 110 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $823 | $0 | $823 | 2.75% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 238 | $1.1M |
| Dental | CAREFIRST OF MARYLAND, INC. | 238 | $1.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 96 | $7K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 124 | $37K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 124 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $30K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 238 | $1.1M |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 124 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
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.