| 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 | $81K | $81K | 3.74% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE INC. | $0 | $20K | $20K | 0.91% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED CONCORDIA INSURANCE COMPANY | $13K | $7K | $21K | 15.33% |
| PATRICK M DUNN3 Filed as: PATRICK DUNN | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | RELIANCE STANDARD | $15K | $0 | $15K | 15.00% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD | $0 | $6K | $6K | 6.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $5K | $133 | $5K | 5.14% |
| PATRICK M DUNN3 Filed as: PATRICK DUNN | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | RELIANCE STANDARD | $10K | $0 | $10K | 15.00% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD | $0 | $4K | $4K | 6.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $3K | $88 | $3K | 5.14% |
| PATRICK M DUNN3 Filed as: PATRICK DUNN | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | RELIANCE STANDARD | $5K | $0 | $5K | 10.00% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD | $0 | $3K | $3K | 6.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $2K | $65 | $2K | 5.14% |
| PATRICK M DUNN3 Filed as: PATRICK DUNN | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | RELIANCE STANDARD | $4K | $0 | $4K | 20.00% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD | $0 | $1K | $1K | 6.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD | $1K | $33 | $1K | 5.16% |
| COPPER DUNN LLC3 | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 22.93% |
| COPPER DUNN LLC3 | 10 POST OFFICE ROAD SUITE 231 SILVER SPRING, MD 20910 | EYEMED VISION CARE | $1K | $0 | $1K | 9.72% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | EYEMED VISION CARE | $332 | $0 | $332 | 2.92% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE INC. | 437 | $2.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 326 | $135K |
| Vision | EYEMED VISION CARE | 328 | $11K |
| Life insurance | RELIANCE STANDARD | 224 | $47K |
| Short-term disability | RELIANCE STANDARD | 224 | $64K |
| Long-term disability | RELIANCE STANDARD | 224 | $97K |
| Prescription drug | CAREFIRST BLUECHOICE INC. | 437 | $2.2M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD | 224 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.