| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRAL MARYLAND INS ASSOC INC3 Filed as: CENTRAL MARYLAND INS ASSOCIATES | 2045 YORK ROAD STE 200 TIMONIUM, MD 21093 | CAREFIRST BLUECHOICE, INC. | $23K | $11K | $35K | 4.47% |
| CENTRAL MARYLAND INS ASSOC INC5 Filed as: CENTRAL MARYLAND INS ASSOCIATES | 2045 YORK ROAD STE 200 TIMONIUM, MD 21093 | CAREFIRST BLUECHOICE, INC. | $0 | $0 | $0 | 0.00% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD STE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $349 | $3K | 11.47% |
| GROUP BENEFIT SERVICES INC5 | 6 N PARK DR STE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $715 | $715 | 3.00% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD STE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $286 | $3K | 15.28% |
| GROUP BENEFIT SERVICES INC5 | 6 N PARK DR STE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $589 | $589 | 3.00% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD STE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $165 | $2K | 16.35% |
| GROUP BENEFIT SERVICES INC5 | 6 N PARK DR STE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $368 | $368 | 3.00% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2405 YORK RD STE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $175 | $1K | 11.48% |
| GROUP BENEFIT SERVICES INC5 | 6 N PARK DR STE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $354 | $354 | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTRAL MARYLAND INS ASSOCIATES BROKER | Custodial (securities) Service code 19 | 2045 YORK ROAD STE 200 TIMONIUM, MD 21093 | $41K |
| GROUP BENEFIT SERVICES INC CONTRACT ADMNISTRATOR | Claims processing Service code 12 | 6 NORTH PARK DR STE 310 HUNT VALLEY, MD 21030 | $1K |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 102 | $772K |
| Dental | CAREFIRST BLUECHOICE, INC. | 102 | $772K |
| Vision | CAREFIRST BLUECHOICE, INC. | 102 | $772K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $24K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $20K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 102 | $772K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.