| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL MARYLAND INSURANCE ASSOC | 2045 YORK ROAD TIMONIUM, MD 21093 | UNITED HEALTH CARE | $37K | — | $37K | 3.53% |
| CENTRAL MARYLAND INSURANCE ASSOC Filed as: CENTRAL MARYLAND INSURANCE ASSOC. | 2045 YORK ROAD - SUITE 201 TIMONIUM, MD 21093 | MEDICAL LIFE/DEARBORN NATIONAL | $6K | — | $6K | 8.00% |
| GROUP BENEFIT REVIEW | 2045 YORK ROAD - 2ND FLOOR TIMONIUM, MD 21093 | UNUM 1 | $4K | — | $4K | 11.12% |
| CENTRAL MARYLAND INSURANCE ASSOC | 2045 YORK RD - 2ND FLOOR TIMONIUM, MD 21093 | UNUM 3 | $5K | — | $5K | 15.00% |
| CENTRAL MARYLAND INSURANCE ASSOC | 2045 YORK RD - 2ND FLOOR TIMONIUM, MD 21093 | UNUM 2 | $2K | — | $2K | 11.38% |
| CENTRAL MARYLAND INSURANCE ASSOC | 2045 YORK ROAD - SUITE 201 TIMONIUM, MD 21093 | DOMINIONNATIONAL DENTAL | $1K | — | $1K | 7.00% |
| CENTRAL MARYLAND INSURANCE ASSOC Filed as: CENTRAL MARYLAND INSURANCE ASSOC. | 2045 YORK ROAD - SUITE 121 TIMONIUM, MD 21093 | THE DENTAL NETWORK | $1K | — | $1K | 12.00% |
| JOSEPH DOERFLER | 2045 YORK ROAD - 2ND FLOOR TIMONIUM, MD 21093 | TDC - HUMANA | $133 | — | $133 | 9.96% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 112 | $1.1M |
| Dental(3 contracts, 3 carriers) | DOMINIONNATIONAL DENTAL | 49 | $29K |
| Life insurance | MEDICAL LIFE/DEARBORN NATIONAL | 139 | $69K |
| Short-term disability(3 contracts, 3 carriers) | UNUM 1 | 70 | $87K |
| Long-term disability | UNUM 1 | 31 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.