| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3975 FAIR RIDGE DRIVE #100 NORTH BUILDING FAIRFAX, VA 22033 | CAREFIRST BLUECHOICE | $90K | $20K | $111K | 4.29% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $10K | — | $10K | 4.83% |
| JOHN DOTEN3 | 6003 POURING GLORIES WAY CLARKSVILLE, MD 21029 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.42% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 850 CONCOURSE PARKWAY S. SUITE 200 MAITLAND, FL 32751 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.26% |
| KENNETH W. KARNES3 | 69 RIVER OAKS CIRCLE PIKESVILLE, MD 21208 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $261 | — | $261 | 0.55% |
| HAYS COMPANIES, INC.3 Filed as: MELVIN A. HAYS JR. | 5 BROOK FARM CT. UNIT A PERRY HALL, MD 211289039 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $261 | — | $261 | 0.55% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125 | — | $125 | 0.27% |
| ANDREW D WALLER3 Filed as: ANDREW D. WALLER | 11800 LINDEN CHAPEL ROAD CLARKSVILLE, MD 21029 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| CFA LLC3 Filed as: CFA, LLC | 1501 S. CLINTON STREET 7TH FLOOR BALTIMORE, MD 21224 | USABLE LIFE | $877 | — | $877 | 4.56% |
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 | 697 | 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) | 697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 422 | $2.6M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 553 | $205K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 644 | $66K |
| Prescription drug | CAREFIRST BLUECHOICE | 422 | $2.6M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 644 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.