| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SVCS OF MARYLAND3 | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $25K | $5K | $30K | 3.32% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD EXECUTIVE PLAZA 4, SUITE 400 HUNT VALLEY, MD 21031 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $13K | $0 | $13K | 1.44% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS,COUNSELMAN MICHAELS & DOWNES | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $9K | $0 | $9K | 0.94% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $10K | $19K | 17.31% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD, SUITE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.00% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 1500 WHETSTONE WAY, SUITE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.92% |
| DONALD R RAJALA3 Filed as: DONALD R. RAJALA | 1802 GREENBLADE COURT BEL AIR, MD 21015 | AFLAC | $7K | $583 | $8K | 10.02% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | AFLAC | $2K | $0 | $2K | 2.69% |
| EDWARD ANDERSON JR3 Filed as: EDWARD ANDERSON JR AND OTHER AGENTS | 10003 RIDER COURT HAGERSTOWN, MD 21740 | AFLAC | $2K | $51 | $2K | 2.30% |
| DAVID NERENBERG3 | 10216 SHINING WILLOW DRIVE ROCKVILLE, MD 20850 | AFLAC | $1K | $0 | $1K | 1.53% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SVCS OF MD, INC. | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | AFLAC | $1K | $0 | $1K | 1.42% |
| BRYAN FISH3 | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | AFLAC | $954 | $104 | $1K | 1.39% |
| SUSAN S STRICKLAND3 Filed as: SUSAN S. STRICKLAND | 2194 SUGARLOAF PARKVIEW LANE CLARKSBURG, MD 20871 | AFLAC | $431 | $0 | $431 | 0.57% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD EXECUTIVE PLAZA 4, SUITE 400 HUNT VALLEY, MD 21031 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $2K | $6K | 19.35% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD EXECUTIVE PLAZA 4, SUITE 400 HUNT VALLEY, MD 21031 | UNITED CONCORDIA DENTAL PLANS, INC | $2K | $563 | $2K | 18.98% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 107 | $916K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 76 | $43K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 111 | $7K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $188K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $112K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $112K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 107 | $916K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.