| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 214 N TRYON ST FLOOR 46 CHARLOTTE, NC 28202 | CAREFIRST OF MARYLAND, INC. | — | $62K | $62K | 2.06% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | CAREFIRST OF MARYLAND, INC. | — | $35K | $35K | 1.16% |
| SILBERSTEIN INSURANCE GROUP5 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | CAREFIRST OF MARYLAND, INC. | — | $876 | $876 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | $20K | $258 | $20K | 7.04% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | SYMETRA LIFE INSURANCE COMPANY | $6K | $5K | $10K | 3.56% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | SYMETRA LIFE INSURANCE COMPANY | $9K | — | $9K | 3.10% |
| NATIONAL BENEFITS CENTER LLC3 | 3700 PARK E DRIVE #350 BEACHWOOD, OH 44122 | SYMETRA LIFE INSURANCE COMPANY | — | $3K | $3K | 0.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | SYMETRA LIFE INSURANCE COMPANY | — | -$2K | -$2K | -0.65% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP, LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | NATIONAL VISION ADMINISTRATORS | $4K | — | $4K | 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 | 365 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 360 | $3.0M |
| Vision | NATIONAL VISION ADMINISTRATORS | 544 | $38K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 329 | $290K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 329 | $290K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 329 | $290K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 360 | $3.0M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 329 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.