| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | CAREFIRST BLUECHOICE, INC. | — | $40K | $40K | 3.18% |
| BENEFIT DESIGN GROUP INC3 | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | CAREFIRST BLUECHOICE, INC. | — | $14K | $14K | 1.14% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | — | $13K | 10.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI ISN SERVICES LLC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | -$2 | — | -$2 | -0.00% |
| RICHARD G MCGOWAN3 Filed as: RICHARD J PRINCINSKY AND ASSOC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | -$3 | -$3 | -$6 | -0.00% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 4.34% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING 2 SUITE 600 AUSTIN, TX 78746 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 2.92% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 109 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 125 | $63K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 125 | $63K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 219 | $126K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 219 | $126K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 219 | $126K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 109 | $1.3M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 219 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.