| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK RAOD EXECUTIVE PLAZA III, SUITE 1203 BALTIMORE, MD 21030 | CAREFIRST BLUECHOICE, INC. | $64 | $51K | $51K | 4.27% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVENUE, SUITE 104 TOWSON, MD 21204 | CAREFIRST BLUECHOICE, INC. | $0 | $14K | $14K | 1.16% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD SUITE 1200 HUNT VALLEY, MD 21031 | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | $362 | $11K | 10.73% |
| RICHARD J PRINCINSKY AND ASSOCIATES3 | UNKNOWN HUNT VALLEY, MD 21031 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 4.37% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 160 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 261 | $62K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 261 | $62K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 230 | $106K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 230 | $106K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 230 | $106K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 160 | $1.2M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 230 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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 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.