| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD EXECUTIVE PLAZA 3, SUITE 1203 BALTIMORE, MD 21031 | CAREFIRST BLUECHOICE, INC. | $2K | $41K | $44K | 3.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 1445 RESEARCH BOULEVARD, SUITE 210 RICKVILLE, MD 20850 | CAREFIRST BLUECHOICE, INC. | $1K | $37K | $38K | 2.77% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMIN SERVICES LLC | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | $0 | $19K | $19K | 1.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTENATIONAL MID-ATLANTIC INC | 1445 REESRACH BOULEVARD, SUITE 340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $5K | $8K | 9.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.12% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $667 | $667 | 0.76% |
| BENEFITMALL3 Filed as: BENEFITMALL-MD | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $200 | $0 | $200 | 1.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC INC | 3290 NORTH RIDGE ROAD, SUITE 300 ELLICOTT CITY, MD 21043 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $167 | $0 | $167 | 1.63% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER AND STROHL ADMIN | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $100 | $0 | $100 | 0.97% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 206 | $1.4M |
| Dental | CAREFIRST BLUECHOICE, INC. | 206 | $1.4M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 183 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $88K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $88K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 206 | $1.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.