| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 406 75 JOHN ROBERTS ROAD BLDG C SOUTH PORTLAND, MD 04101 | CFMI CAREFIRST BLUECHOICE | $31K | $7K | $38K | 6.03% |
| USI INSURANCE SERVICES LLC3 | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 11.93% |
| DONALD R RAJALA3 | 5458 DELPHINIUM CT COLUMBIA, MD 21045 | AFLAC | $1K | — | $1K | 9.31% |
| RICKY E ROBINSON3 | 934 SWEENEY DRIVE STE ONE HAGERSTOWN, MD 21740 | AFLAC | $188 | — | $188 | 1.29% |
| SUSAN S STRICKLAND3 | 2194 SUGARLOAD PARKVIEW LN CLARKSBURG, MD 20871 | AFLAC | $174 | — | $174 | 1.19% |
| DONALD R RAJALA3 | 1802 GREENBLADE CT BEL AIR, MD 21015 | AFLAC | $87 | — | $87 | 0.59% |
| ARON D TERAN3 | 3684 HOLBORN PL FREDERICK, MD 21704 | AFLAC | $86 | — | $86 | 0.59% |
| ALYSON D ROTHBERG3 | 35 BITTLE RD LITTLESTOWN, PA 17340 | AFLAC | $83 | — | $83 | 0.57% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 934 SWEENEY DRIVE SUITE 8 HAGERSTOWN, MD 21740 | AFLAC | $79 | — | $79 | 0.54% |
| EDWARD ANDERSON JR3 | 10003 RIDER CT HAGERSTOWN, MD 21740 | AFLAC | $73 | — | $73 | 0.50% |
| KIMBERLY L LUSHBAUGH3 | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | AFLAC | $64 | — | $64 | 0.44% |
| FRANCES SHAFFER3 Filed as: FRANCES M SHAFFER | 140025 TOWER RD SMITHSBURG, MD 21783 | AFLAC | $52 | — | $52 | 0.36% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS RD STE 214 COLUMBIA, MD 21044 | AFLAC | $29 | — | $29 | 0.20% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $24 | — | $24 | 0.16% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVE BETHESDA, MD 20814 | AFLAC | $22 | — | $22 | 0.15% |
| EDWARD ANDERSON JR3 | 70 THOMPAS JOHNSON DR STE 102 FREDERICK, MD 21702 | AFLAC | $9 | — | $9 | 0.06% |
| MARK JOHNSTON3 Filed as: MARK A JOHNSTON | 934 SWEENEY DR STE 8 HAGERSTOWN, MD 21740 | AFLAC | $7 | — | $7 | 0.05% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD STE 214 COLUMBIA, MD 21044 | AFLAC | $7 | — | $7 | 0.05% |
| MICHAEL EDWARD RISKA3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $4 | — | $4 | 0.03% |
| JASON D ELLIS3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $4 | — | $4 | 0.03% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $2 | — | $2 | 0.01% |
| ARON D TERAN3 | 70 THOMAS JOHNSON DR STE 102 FREDERICK, MD 21702 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID NERENBERG3 | 61 CALABASH CT ROCKVILLE, MD 20850 | AFLAC | $1 | — | $1 | 0.01% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP | 600 WASHINGTON AVENUE SUITE 104 TOWSON, MD 21204 | ADVANTICA REINSURANCE COMPANY | $1K | — | $1K | 11.16% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CFMI CAREFIRST BLUECHOICE | 82 | $635K |
| Dental | CFMI CAREFIRST BLUECHOICE | 82 | $635K |
| Vision | ADVANTICA REINSURANCE COMPANY | 127 | $10K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 103 | $29K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 103 | $43K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 103 | $29K |
| Prescription drug | CFMI CAREFIRST BLUECHOICE | 82 | $635K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 103 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.