| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COPPER DUNN LLC3 | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | CAREFIRST BLUECHOICE INC. | $0 | $74K | $74K | 3.70% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE INC. | $0 | $19K | $19K | 0.93% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA INSURANCE COMPANY | $12K | $6K | $18K | 14.95% |
| PATRICK M DUNN3 Filed as: PATRICK DUNN | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | RELIANCE STANDARD | $13K | $0 | $13K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $4K | $1K | $6K | 6.68% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD | $0 | $5K | $5K | 6.00% |
| PATRICK M DUNN3 Filed as: PATRICK DUNN | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | RELIANCE STANDARD | $9K | $0 | $9K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $3K | $972 | $4K | 6.69% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD | $0 | $3K | $3K | 6.00% |
| PATRICK M DUNN3 Filed as: PATRICK DUNN | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | RELIANCE STANDARD | $4K | $0 | $4K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $2K | $715 | $3K | 6.71% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD | $0 | $3K | $3K | 6.00% |
| PATRICK M DUNN3 Filed as: PATRICK DUNN | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | RELIANCE STANDARD | $4K | $0 | $4K | 20.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $878 | $342 | $1K | 6.95% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD | $0 | $1K | $1K | 6.00% |
| COPPER DUNN LLC3 | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 20.00% |
| COPPER DUNN LLC3 | 10 POST OFFICE ROAD SUITE 231 SILVER SPRING, MD 20910 | EYEMED VISION CARE | $1K | $0 | $1K | 10.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP MELTZER GROUP BENEFITS | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | EYEMED VISION CARE | -$57 | $0 | -$57 | -0.51% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE INC. | 396 | $2.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 273 | $121K |
| Vision | EYEMED VISION CARE | 275 | $11K |
| Life insurance | RELIANCE STANDARD | 186 | $42K |
| Short-term disability | RELIANCE STANDARD | 185 | $57K |
| Long-term disability | RELIANCE STANDARD | 187 | $87K |
| Prescription drug | CAREFIRST BLUECHOICE INC. | 396 | $2.0M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD | 209 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.