| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | CAREFIRST BLUECHOICE, INC. | $0 | $67K | $67K | 2.20% |
| ISI OF MARYLAND LLC3 | DBA INSURANCE SOLUTIONS 170 JENNIFER RD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $3K | $14K | 12.38% |
| ISI OF MARYLAND LLC3 | DBA INSURANCE SOLUTIONS 170 JENNIFER RD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $11K | 12.96% |
| ISI OF MARYLAND LLC3 | DBA INSURANCE SOLUTIONS 170 JENNIFER RD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $7K | 12.70% |
| ISI OF MARYLAND LLC3 | DBA INSURANCE SOLUTIONS 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 14.95% |
| ISI OF MARYLAND LLC3 Filed as: ISI OF MARYLAND | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | DOMINION NATIONAL | $696 | $0 | $696 | 5.83% |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 805 | $3.0M |
| Vision | DOMINION NATIONAL | 128 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 315 | $114K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $84K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 300 | $53K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 805 | $3.0M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 326 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.