| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL MARYLAND INS ASSOC INC3 Filed as: CENTRAL MARYLAND INS ASSOC NC | 2045 YORK ROAD 2ND FLOOR TIMONIUM, MD 21093 | KAISER FOUNDATION HEALTH PLAN OF MID ATLANTIC STATES INC | $44K | $2K | $46K | 4.92% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS | 6 NORTH PARK DRIE SUITE 310 HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN OF MID ATLANTIC STATES INC | $21K | — | $21K | 2.20% |
| CENTRAL MARYLAND INSURANCE ASSOC3 | 2045 YORK ROAD SUITE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA INSURANCE COMPANY | $12K | $7K | $19K | 12.10% |
| CENTRAL MARYLAND INSURANCE ASSOC3 | 2045 YORK ROAD 2ND FLOOR TIMONIUM, MD 21092 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.59% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34 | — | $34 | 0.13% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF MID ATLANTIC STATES INC | 177 | $937K |
| Dental | UNITED OF OMAHA INSURANCE COMPANY | 186 | $155K |
| Vision | UNITED OF OMAHA INSURANCE COMPANY | 186 | $155K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 31 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.