| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE SOLUTIONS GROUP, INC.3 Filed as: INSURANCE SOLUTIONS, INC. | 151 WEST STREET SUITE 303 ANNAPOLIS, MD 21401 | CAREFIRST BLUECHOICE | $41K | $0 | $41K | 2.48% |
| ISI OF MARYLAND LLC3 Filed as: ISI OF MARYLAND, LLC | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | CAREFIRST BLUECHOICE | $13K | $54 | $13K | 0.81% |
| INSURANCE SOLUTIONS GROUP, INC.3 Filed as: INSURANCE SOLUTIONS INC. | 151 WEST STREET SUITE 303 ANNAPOLIS, MD 21401 | CAREFIRST BLUECHOICE | $4K | $0 | $4K | 0.23% |
| ISI OF MARYLAND LLC3 Filed as: ISI OF MARYLAND, LLC | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | CAREFIRST BLUECHOICE | $1K | $0 | $1K | 0.08% |
| BENEFITMALL5 | 501 FAIRMOUNT AVE 400 TOWSON, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $972 | $4K | 6.85% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.61% |
| BENEFITMALL5 | 501 FAIRMOUNT AVE 400 TOWSON, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $394 | $2K | 10.84% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.12% |
| BENEFITMALL5 | 501 FAIRMOUNT AVE 400 TOWSON, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $860 | $252 | $1K | 7.84% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $612 | $0 | $612 | 4.31% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $278 | $278 | 1.96% |
| BENEFITMALL5 | 501 FAIRMOUNT AVE 400 TOWSON, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $880 | $264 | $1K | 8.56% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $438 | $0 | $438 | 3.28% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP, INC. | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $219 | $219 | 1.64% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 279 | $1.7M |
| Dental | CAREFIRST BLUECHOICE | 279 | $1.7M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 175 | $14K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 149 | $52K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $21K |
| Prescription drug | CAREFIRST BLUECHOICE | 279 | $1.7M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 175 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.