| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 12307 MARKBY COURT UPPER MARLBORO, MD 20774 | GHMSI / CAREFIRST BLUECHOICE | $58K | $7K | $64K | 5.57% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $5K | $10K | 9.38% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $45 | $45 | 0.04% |
| ROBERT P QUINN3 | 1101 WOOTTON PKWY SUITE 580 ROCKVILLE, MD 20852 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 14.90% |
| SCOTT D BUTLER3 | 1101 WOOTTON PKWY SUITE 580 ROCKVILLE, MD 20852 | NORTHWESTERN MUTUAL | $780 | $185 | $965 | 2.29% |
| WASHINGTON GROUP LLC3 | 1801 K STREET NW SUITE 210 WASHINGTON, DC 20006 | NORTHWESTERN MUTUAL | $693 | $61 | $754 | 1.79% |
| ROBERT P QUINN3 | 1101 WOOTTON PKWY SUITE 580 ROCKVILLE, MD 20852 | NORTHWESTERN MUTUAL | $3K | $667 | $3K | 8.82% |
| SCOTT D BUTLER3 | 1101 WOOTTON PKWY SUITE 580 ROCKVILLE, MD 20852 | NORTHWESTERN MUTUAL | $400 | $95 | $495 | 1.36% |
| WASHINGTON GROUP LLC3 | 1101 WOOTTON PKWY SUITE 580 ROCKVILLE, MD 20852 | NORTHWESTERN MUTUAL | $356 | $31 | $387 | 1.06% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $499 | $419 | $918 | 10.95% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI / CAREFIRST BLUECHOICE | 105 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $102K |
| Vision | GHMSI / CAREFIRST BLUECHOICE | 105 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $110K |
| Short-term disability | NORTHWESTERN MUTUAL | 127 | $37K |
| Long-term disability | NORTHWESTERN MUTUAL | 127 | $42K |
| Prescription drug | GHMSI / CAREFIRST BLUECHOICE | 105 | $1.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.