| 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. | $24K | $6K | $30K | 3.82% |
| GROUP BENEFIT SERVICES INC5 | 6 NORTH PARK DRIVE, S 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | $0 | $9K | $9K | 1.19% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD STE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 15.57% |
| GROUP BENEFIT SERVICES INC5 | 6 N PARK DR STE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $840 | $840 | 3.00% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD STE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 18.82% |
| GROUP BENEFIT SERVICES INC5 | 6 N PARK DR STE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $692 | $692 | 3.00% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2405 YORK RD STE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $749 | $2K | 15.70% |
| GROUP BENEFIT SERVICES INC5 | 6 N PARK DR STE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $394 | $394 | 3.00% |
| CENTRAL MARYLAND INS ASSOC INC3 | 2045 YORK RD STE 200 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $766 | $3K | 20.86% |
| GROUP BENEFIT SERVICES INC5 | 6 N PARK DR STE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $392 | $392 | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTRAL MARYLAND INS ASSOCIATES BROKER | Custodial (securities) Service code 19 | 2045 YORK ROAD STE 200 TIMONIUM, MD 21093 | $44K |
| GROUP BENEFIT SERVICES INC CONTRACT ADMNISTRATOR | Claims processing Service code 12 | 6 NORTH PARK DR STE 310 HUNT VALLEY, MD 21030 | $12K |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 106 | $788K |
| Dental | CAREFIRST BLUECHOICE, INC. | 106 | $788K |
| Vision | CAREFIRST BLUECHOICE, INC. | 106 | $788K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $26K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $23K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 106 | $788K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.