| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COPPERDUNN LLC3 | 10 POST OFFICE ROAD SUITE 222 SILVER SPRING, MD 20910 | CAREFIRST BLUECHOICE, INC. | $3K | $50K | $53K | 6.47% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY ASSOCIATES INSURANCE GROUP IN | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC. | $0 | $14K | $14K | 1.73% |
| PATARICK DUNN JR3 | 4204 DUNNEL LANE KENSINGTON, MD 20895 | KAISER FOUNDATION HEALTH PLAN | $12K | $0 | $12K | 3.34% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY ASSOCIATES INSURANCE GROUP IN | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE | $3K | $1K | $4K | 21.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY ASSOCIATES INSURANCE GROUP IN | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE | $2K | $1K | $3K | 16.61% |
| PATRICK M DUNN3 Filed as: PATRICK M DUNN JR | 4204 DUNNEL LANE KENSINGTON, MD 208953638 | UNITEDHEALTHCARE INSURANCE COMPANY | $43 | $0 | $43 | 0.32% |
| MJ INSURANCE3 Filed as: WINTER K BAKER | 725 KAPIOLANI BLVD C-302 HONOLULU, HI 96813 | TRANSAMERICA LIFE INSURANCE COMPAN | $49 | — | $49 | 2.50% |
| AJA BENEFITS CONSULTANTS LLC3 | MARKHAM INSURANCE SERVICES 338 KILAUEA AVENUE HILO, HI 96720 | TRANSAMERICA LIFE INSURANCE COMPAN | $20 | $20 | $40 | 2.04% |
| DUSTIN DEAN DENIZ3 Filed as: DUSTIN DENIZ | 222 LILIOKALANI AVENUE HONOLULU, HI 96815 | TRANSAMERICA LIFE INSURANCE COMPAN | $10 | $0 | $10 | 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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 108 | $1.2M |
| Dental | CAREFIRST BLUECHOICE, INC. | 108 | $820K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $15K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE | 58 | $18K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 32 | $20K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 108 | $820K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.