| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | CAREFIRST BLUECHOICE | $73K | $10K | $84K | 4.11% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVE SUITE 104 TOWSON, MD 21204 | CAREFIRST BLUECHOICE | $0 | $22K | $22K | 1.07% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.06% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP, INC. | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.50% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP, INC. | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.93% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.51% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP, INC. | 600 WASHINGTON AVE SUITE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.32% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP, INC. | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.47% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP, INC. | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.01% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVE SUITE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $930 | $930 | 5.00% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $958 | $0 | $958 | 9.05% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVE SUITE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $529 | $529 | 5.00% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $774 | $0 | $774 | 15.01% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVE SUITE 104 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $258 | $258 | 5.00% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 540 | $2.0M |
| Dental | CAREFIRST BLUECHOICE | 540 | $2.0M |
| Vision | CAREFIRST BLUECHOICE | 540 | $2.0M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $32K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $119K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $62K |
| Prescription drug | CAREFIRST BLUECHOICE | 540 | $2.0M |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 235 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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.