| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL MARYLAND INSURANCE ASSOC | 2045 YORK ROAD TIMONIUM, MD 21093 | AETNA | $53K | — | $53K | 5.00% |
| CENTRAL MARYLAND INSURANCE ASSOC Filed as: CENTRAL MARYLAND INSURANCE ASSOC. | 2045 YORK ROAD - SUITE 201 TIMONIUM, MD 21093 | MEDICAL LIFE/DEARBORN NATIONAL | $6K | — | $6K | 6.65% |
| CENTRAL MARYLAND INSURANCE ASSOC | 2045 YORK RD - 2ND FLOOR TIMONIUM, MD 21093 | UNUM 3 | $5K | — | $5K | 15.00% |
| GROUP BENEFIT REVIEW | 2045 YORK ROAD - 2ND FLOOR TIMONIUM, MD 21093 | UNUM 1 | $4K | — | $4K | 11.11% |
| CENTRAL MARYLAND INSURANCE ASSOC | 2045 YORK ROAD - SUITE 201 TIMONIUM, MD 21093 | DOMINION NATIONAL DENTAL | $1K | — | $1K | 7.00% |
| CENTRAL MARYLAND INSURANCE ASSOC | 2045 YORK RD - 2ND FLOOR TIMONIUM, MD 21093 | UNUM 2 | $2K | — | $2K | 13.74% |
| CENTRAL MARYLAND INSURANCE ASSOC Filed as: CENTRAL MARYLAND INSURANCE ASSOC. | 2045 YORK ROAD - SUITE 121 TIMONIUM, MD 21093 | THE DENTAL NETWORK | $1K | — | $1K | 11.99% |
| JOSEPH DOERFLER | 2045 YORK ROAD - 2ND FLOOR TIMONIUM, MD 21093 | TDC - HUMANA | $75 | — | $75 | 10.00% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | DOMINION NATIONAL DENTAL | 57 | $30K |
| Life insurance(2 contracts, 2 carriers) | MEDICAL LIFE/DEARBORN NATIONAL | 153 | $119K |
| Short-term disability(2 contracts, 2 carriers) | UNUM 1 | 30 | $49K |
| Long-term disability | UNUM 1 | 30 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.