| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS, COUNSELMAN, MICHAELS, DOWNES | 555 FAIRMAUNT AVENUE TOWSON, MD 21286 | CAREFIRST BLUECHOICE | $38K | $48 | $38K | 4.01% |
| MATHER BENEFIT ADMINISTRATORS, LLC3 | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $10K | $11K | 12.15% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS, COUNSELMAN, MICHAELS, DOWNES | 555 FAIRMONT AVENUE BALTIMORE, MD 21286 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $364 | — | $364 | 0.39% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP, IN | 1 KELLY WAY SPARKS, MD 21152 | METROPOLITAN LIFE INSURANCE COMPANY | — | $279 | $279 | 0.30% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS, COUNSELMAN, MICHAELS, DOWNES | 555 FAIRMONT AVENUE BALTIMORE, MD 21286 | DOMINION NATIONAL | $3K | — | $3K | 7.00% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS, COUNSELMAN, MICHAELS, DOWNES | 555 FAIRMONT AVENUE TOWSON, MD 21286 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $272 | — | $272 | 1.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $156 | $156 | 1.04% |
| MATHERS & STROHL ADMINISTRATION3 Filed as: MATHERS AND STROHL ADMIN. SERVICES | 501 FAIRMONT AVENUE, SUITE 400 TOWSON, MD 21286 | ADVANTICA REINSURANCE COMPANY | $2K | — | $2K | 16.00% |
| BENEFITMALL3 | 501 FAIRMONT AVENUE, SUITE 400 TOWSON, MD 21286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $439 | $88 | $527 | 14.28% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $115 | $46 | $161 | 4.36% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 209 | $962K |
| Dental(2 contracts, 2 carriers) | DOMINION NATIONAL | 100 | $63K |
| Vision | ADVANTICA REINSURANCE COMPANY | 124 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $94K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $94K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8 | $4K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 209 | $962K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.