| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY B THOMAS3 Filed as: HENRY B FRANKLIN | 11019 MCCORMICK RD SUITE 110 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE, INC./CAREFIRST OF MARYLAND, INC. | $1K | $22K | $23K | 2.81% |
| FRANKLIN FINANCIAL GROUP LLC3 | 11019 MCCORMICK RD SUITE 110 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE, INC./CAREFIRST OF MARYLAND, INC. | $1K | $19K | $20K | 2.47% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC./CAREFIRST OF MARYLAND, INC. | — | $12K | $12K | 1.44% |
| FRANKLIN FINANCIAL GROUP LLC3 | 11350 MCCORMICK ROAD SUITE 200 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.73% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.11% |
| HENRY FRANKLIN3 | 11350 MCCORMICK ROAD SUITE 200 HUNT VALLEY, MD 210311002 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.13% |
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 | 108 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC./CAREFIRST OF MARYLAND, INC. | 215 | $815K |
| Dental | CAREFIRST BLUECHOICE, INC./CAREFIRST OF MARYLAND, INC. | 215 | $815K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 97 | $6K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 300 | $23K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 300 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $26K |
| Prescription drug | CAREFIRST BLUECHOICE, INC./CAREFIRST OF MARYLAND, INC. | 215 | $815K |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 300 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.