| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN R SCHULMAN3 | 2003 LITTLE HAVEN CT OLNEY, MD 20832 | CAREFIRST BLUECHOICE | $0 | $221K | $221K | 6.57% |
| EMPLOYEE BENEFITS CORP OF AMERICA5 | 1430 SPRING HILL ROAD SUITE 320 MCLEAN, VA 22102 | CAREFIRST BLUECHOICE | $0 | $10K | $10K | 0.29% |
| I.B.&A., LLC3 | 2003 LITTLE HAVEN CT OLNEY, MD 20832 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.28% |
| ALAN R SCHULMAN3 | 2003 LITTLE HAVEN CT OLNEY, MD 20832 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $110 | $11K | $11K | 5.00% |
| ALAN R SCHULMAN3 | 2003 LITTLE HAVEN CT OLNEY, MD 20832 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.53% |
| ALAN R SCHULMAN3 | 2003 LITTLE HAVEN CT OLNEY, MD 20832 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 6.30% |
| ALAN R SCHULMAN3 | 2003 LITTLE HAVEN CT OLNEY, MD 20832 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 23.08% |
| ALAN R SCHULMAN3 Filed as: ALAN ROBERT SCHULMAN | 1B A LLC 2003 LITTLE HAVEN CT OLNEY, MD 208321634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 32.61% |
| DREW SKIBITSKY3 | 11285 DOVEDALE COURT MARRIOTTSVILLE, MD 21104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.14% |
| QSMR INC3 | QSMR 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 211082542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.14% |
| MATTHEW W EVANS3 | 127 BOONE TRL SEVERNA PARK, MD 211464503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $663 | — | $663 | 2.74% |
| ALAN R SCHULMAN3 | 2003 LITTLE HAVEN CT OLNEY, MD 20832 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 23.63% |
| PHYLLIS ADAMS4 | 210 N TYRONE RD BALTIMORE, MD 21212 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 27.80% |
| ALAN R SCHULMAN4 Filed as: ALAN SCHULMAN | 2003 LITTLE HAVEN CT OLNEY, MD 20832 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 18.52% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 1,090 | $3.6M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,008 | $309K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,008 | $537K |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $232K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $185K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $185K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 1,090 | $3.6M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,090 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.