| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN R SCHULMAN3 Filed as: ALAN SCHULMAN | 2003 LITTLE HAVEN COURT OLNEY, MD 20832 | CAREFIRST BLUECHOICE, INC. | $0 | $89K | $89K | 1.82% |
| I.B.&A., LLC3 | 2003 LITTLE HAVEN COURT OLNEY, MD 20832 | CAREFIRST BLUECHOICE, INC. | $0 | $78K | $78K | 1.59% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD EXECUTIVE PLAZA III, SUITE 1203 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE, INC. | $0 | $40K | $40K | 0.82% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORP. AMERICA | 1410 SPRING HILL ROAD, SUITE 150 MCLEAN, VA 22102 | CAREFIRST BLUECHOICE, INC. | $0 | -$20 | -$20 | -0.00% |
| ALAN R SCHULMAN3 Filed as: ALAN R. SCHULMAN | 2003 LITTLE HAVEN COURT OLNEY, MD 20832 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 2.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 1.40% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.22% |
| I.B.&A., LLC3 | 2003 LITTLE HAVEN COURT OLNEY, MD 20832 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.29% |
| ALAN R SCHULMAN3 Filed as: ALAN ROBERT SCHULMAN | 2003 LITTLE HAVEN COURT OLNEY, MD 20832 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 14.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.67% |
| DREW SKIBITSKY3 | 11285 DOVEDALE COURT MARRIOTTSVILLE, MD 21104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.21% |
| QSMR INC3 Filed as: QSMR, INC. | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.20% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 127 BOONE TRAIL SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $608 | $0 | $608 | 1.22% |
| ALAN R SCHULMAN3 Filed as: ALAN SCHULMAN | 2003 LITTLE HAVEN COURT OLNEY, MD 20832 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.96% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.71% |
| STEPHEN J SALAMON3 Filed as: STEPHEN J. SALAMON | 1905 CAPTAIN KETTLE ROAD REISTERSTOWN, MD 21136 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.88% |
| M W E SOLUTIONS, INC.3 Filed as: M.W.E. SOLUTIONS, INC. | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.61% |
| PHYLLIS ADAMS4 | 210 NORTH TYRONE ROAD BALTIMORE, MD 21212 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 18.97% |
| ALAN R SCHULMAN4 Filed as: ALAN SCHULMAN | 2003 LITTLE HAVEN COURT OLNEY, MD 20832 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 12.63% |
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 | 449 | 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) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 772 | $4.9M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 946 | $173K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 946 | $173K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 449 | $555K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 449 | $555K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 449 | $555K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 772 | $4.9M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 449 | $652K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 946 | — |
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.