| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL MARYLAND INSURANCE ASSOC3 | 2045 YORK RD 2ND FLOOR TIMONIUM, MD 21093 | KAISER | $32K | $0 | $32K | 4.33% |
| CENTRAL MARYLAND INSURANCE ASSOC3 | 2045 YORK ROAD SUITE 201 TIMONIUM, MD 21093 | MEDICAL LIFE/DEARBORN NATIONAL | $5K | — | $5K | 6.18% |
| CENTRAL MARYLAND INSURANCE ASSOC3 | 2045 YORK RD 2ND FLOOR TIMONIUM, MD 21093 | UNUM | $5K | $0 | $5K | 15.00% |
| GROUP BENEFIT REVIEW3 | 2045 YORK RD 2ND FLOOR TIMONIUM, MD 21093 | UNUM | $3K | — | $3K | 11.00% |
| CENTRAL MARYLAND INSURANCE ASSOC3 | 2045 YORK RD 2ND FLOOR TIMONIUM, MD 21093 | UNUM | $2K | $0 | $2K | 14.00% |
| CENTRAL MARYLAND INSURANCE ASSOC3 | 2045 YORK ROAD SUITE 201 TIMONIUM, MD 21093 | CARE FIRST BC/BS | $645 | $0 | $645 | 8.01% |
| CENTRAL MARYLAND INSURANCE ASSOC3 | 2045 YORK ROAD 2ND FLOOR TIMONIUM, MD 21093 | DOMINION NATIONAL DENTAL | $3K | $0 | $3K | 84.02% |
| JOSEPH DOERFLER3 | 2045 YORK RD 2ND FLOOR TIMONIUM, MD 21093 | TDC - HUMANA | $5 | — | $5 | 0.85% |
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 | 71 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 71 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER | 77 | $746K |
| Dental(3 contracts, 3 carriers) | CARE FIRST BC/BS | 68 | $13K |
| Life insurance(2 contracts, 2 carriers) | MEDICAL LIFE/DEARBORN NATIONAL | 148 | $109K |
| Short-term disability(2 contracts, 2 carriers) | MEDICAL LIFE/DEARBORN NATIONAL | 148 | $107K |
| Long-term disability(2 contracts) | UNUM | 27 | $44K |
| Other(3 contracts, 3 carriers) | MEDICAL LIFE/DEARBORN NATIONAL | 148 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.