| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY PATRICK, LLC3 | 307 INTERNATIONAL CIRCLE STE 390 HUNT VALLEY, MD 21030 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $29K | $12K | $42K | 21.34% |
| ANTHONY PATRICK, LLC3 | 307 INTERNATIONAL CIRCLE STE 390 HUNT VALLEY, MD 21030 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $27K | $11K | $39K | 21.16% |
| ANTHONY PATRICK, LLC3 | 307 INTERNATIONAL CIRCLE STE 390 HUNT VALLEY, MD 21030 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $23K | $9K | $32K | 21.07% |
| BARBARA STARR3 | 3130 BROADWAY KANSAS CITY, MO 64141 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $14K | $18K | 21.84% |
| WILLIAM SPOTTS3 Filed as: WILLIAM F. SPOTTS | 8 LAUREL CR TIMONIUM, MD 21093 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 38.40% |
| ANTHONY PATRICK, LLC3 | 307 INTERNATIONAL CIRCLE STE 390 HUNT VALLEY, MD 21030 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 21.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS, LLC EIN 52-1187907 | Other fees Service code 99 | 1501 S. CLINTON STREET, 7TH FLOOR BALTIMORE, MD 21224 | $914K |
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 | 830 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 830 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 830 | $70K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,003 | $83K |
| Life insurance(2 contracts) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 820 | $264K |
| Short-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 820 | $183K |
| Long-term disability | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 820 | $151K |
| Other(2 contracts) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 820 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,003 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.