| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE #200 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC | $2K | $23K | $25K | 4.92% |
| BENEFIT DESIGN GROUP INC3 | 10451 MILL RUN CIRCLE SUITE 570 OWING MILLS, MD 21117 | CAREFIRST BLUECHOICE, INC | — | $6K | $6K | 1.26% |
| QUEST BENEFITS INC3 | 4433 BROOKFIELD CORPORATE DR SUITE A CHANTILLY, VA 20151 | CAREFIRST BLUECHOICE, INC | $477 | $4K | $4K | 0.84% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 4433 BROOKFIELD CORP. DR. STE A CHANTILLY, VA 20151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 20.43% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP INC. | 10451 MILL RUN CIR STE 570 OWINGS MILLS, MD 21117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| QUEST BENEFITS INC3 Filed as: QUEST BENEFITS INC. | 4433 BROOKFIELD CORPORATE DR. SUITE A CHANTILLY, VA 20151 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | $229 | $241 | 1.71% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANSICO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 0.14% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE, LLC | 11350 RANDOM HILLS RD SUITE 880 FAIRFAX, VA 22030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.04% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD SUITE 390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS DBA QUEST INS. | 4433 BROOKFIELD CORP. STE A CHANTILLY, VA 20151 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $442 | — | $442 | 13.93% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS RD STE 863 FAIRFAX, VA 22033 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $442 | — | $442 | 13.93% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SHARON L BROWN | 18978 COREOPSIS TER LEESBURG, VA 20176 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $180 | — | $180 | 5.67% |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC | 42 | $509K |
| Dental | CAREFIRST BLUECHOICE, INC | 42 | $509K |
| Vision | CAREFIRST BLUECHOICE, INC | 42 | $509K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $74K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $74K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $74K |
| Prescription drug | CAREFIRST BLUECHOICE, INC | 42 | $509K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.