| 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. | — | $32K | $32K | 2.94% |
| BENEFIT DESIGN GROUP INC3 | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | CAREFIRST BLUECHOICE, INC. | — | $11K | $11K | 1.03% |
| BENEFIT DESIGN GROUP INC3 | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | CAREFIRST BLUECHOICE, INC. | — | $3K | $3K | 0.30% |
| THE CAPITAL GROUP LLC5 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | CAREFIRST BLUECHOICE, INC. | — | $3K | $3K | 0.29% |
| USI INSURANCE SERVICES LLC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | — | $8K | 6.87% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 3.40% |
| RICHARD G MCGOWAN3 Filed as: RICHARD J PRINCINSKY AND ASSOC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $2K | $2K | 1.64% |
| USI INSURANCE SERVICES LLC3 | 1135 MCCORMICK ROAD SUITE 1203 HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORP. | $2K | $2K | $4K | 7.08% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | AMERITAS LIFE INSURANCE CORP. | $358 | — | $358 | 0.62% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 104 | $1.1M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 113 | $58K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 113 | $58K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 226 | $114K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 226 | $114K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 226 | $114K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 104 | $1.1M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 226 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.