| 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 | $3K | $29K | $32K | 6.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE, INC | — | $3K | $3K | 0.56% |
| 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 | $13K | $5K | $17K | 20.64% |
| 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 | — | $386 | $386 | 0.46% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANSICO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 54.15% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $292 | $7K | 32.45% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 4433 BROOKFIELD CORPORATE DR SUITE A CHANTILLY, VA 20151 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.22% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NJ | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.15% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE, LLC | 11350 RANDOM HILLS RD SUITE 880 FAIRFAX, VA 22030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $509 | — | $509 | 2.51% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD SUITE 390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $80 | — | $80 | 0.39% |
| 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 | $236 | — | $236 | 6.07% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS RD STE 863 FAIRFAX, VA 22033 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $122 | — | $122 | 3.14% |
| 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 | $50 | — | $50 | 1.29% |
| PHYLLIS ADAMS3 | 210 N TYRONE RD BALTIMORE, MD 21212 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $30 | — | $30 | 0.77% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC | 49 | $486K |
| Dental | CAREFIRST BLUECHOICE, INC | 49 | $486K |
| Vision | CAREFIRST BLUECHOICE, INC | 49 | $486K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $84K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $84K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $84K |
| Prescription drug | CAREFIRST BLUECHOICE, INC | 49 | $486K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.