| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1801 K STREET NW SUITE 200 WASHINGTON, DC 20006 | CAREFIRST OF MARYLAND INC | — | $15K | $15K | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $19K | $40K | 3.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1801 K STREET NW SUITE 200 WASHINGTON, DC 20006 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES C/O BANK OF AMERI | PO BOX 417484 BOSTON, MA 02241 | AETNA LIFE INSURANCE CO | $34K | — | $34K | 5.16% |
| MCFARLIN INSURANCE AGENCY LLP3 | 8325 GUILFORD RD #A COLUMBIA, MD 21046 | AETNA LIFE INSURANCE CO | $21K | — | $21K | 3.17% |
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 | 1,647 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND INC | 1,647 | $24.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,644 | $1.2M |
| Vision | CAREFIRST OF MARYLAND INC | 1,647 | $24.7M |
| Life insurance | AETNA LIFE INSURANCE CO | 1,788 | $658K |
| Long-term disability | AETNA LIFE INSURANCE CO | 1,788 | $658K |
| Prescription drug | CAREFIRST OF MARYLAND INC | 1,647 | $24.7M |
| Other | AETNA LIFE INSURANCE CO | 1,788 | $658K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,788 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.