| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN BENSON MILLEN III3 Filed as: JOHN B MILLEN III | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | CAREFIRST BLUECHOICE, INC | $3K | $38K | $41K | 3.64% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 NORTH PARK DRIVE- STE 500 COCKEYSVILLE, MD 21030 | CAREFIRST BLUECHOICE, INC | $1K | $24K | $25K | 2.24% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORP AMERICA | 1410 SPRING HILL ROAD - SUITE 150 MCLEAN, VA 22102 | CAREFIRST BLUECHOICE, INC | — | $10K | $10K | 0.92% |
| JOHN B MILLEN3 | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.16% |
| RCM AND D3 Filed as: RCM&D INC. | 1500 WHETSTONE WAY - STE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $570 | — | $570 | 1.32% |
| JOHN BENSON MILLEN III3 Filed as: JOHN BENSON MILLEN | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.64% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMONT AVE. BALTIMORE, MD 21286 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $587 | — | $587 | 2.30% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD. SUITE 390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35 | — | $35 | 0.14% |
| MATTHEW E VAHUE3 | 12110 SUNSET HILLS ROAD, SUITE 340 RESTON, VA 20190 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.01% |
| JOHN B MILLEN3 | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.41% |
| RCM AND D3 Filed as: RCM&D INC. | 1500 WHETSTONE WAY - SUITE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $408 | — | $408 | 2.59% |
| JOHN B MILLEN3 | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 11.19% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 1500 WHETSTONE WAY - STE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $380 | — | $380 | 3.80% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC | 146 | $1.1M |
| Dental | CAREFIRST BLUECHOICE, INC | 146 | $1.1M |
| Vision | CAREFIRST BLUECHOICE, INC | 146 | $1.1M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $43K |
| Prescription drug | CAREFIRST BLUECHOICE, INC | 146 | $1.1M |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.