| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMDEN BENEFITS GROUP INC3 Filed as: CAMDEN BENEFITS GROUP INS | 2300 YORK RD, STE 106 TIMONIUM, MD 21093 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 6.83% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $9K | $9K | 6.23% |
| JEFFREY MERWIN3 | 7230 LEE DEFOREST DE, STE 105 COLUMBIA, MD 21046 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.58% |
| CAPITOL METRO FINANCIAL SERVICES3 | 7230 LEE DEFOREST DE, STE 105 COLUMBIA, MD 21046 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.63% |
| J R MCDONALD, INC3 | 2219 YORK ROAD, STE 202 TIMONIUM, MD 21093 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 33.70% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST OF MARYLAND, INC. EIN 52-1385894 MED/RX ADMIN | Claims processing; Contract Administrator Service code 12 | — | $430K |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $19K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $166K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $142K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.