| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY C B FRANKLIN3 | 11019 MCCORMICK ROAD SUITE 110 HUNT VALLEY, MD 20131 | CAREFIRST OF MARYLAND, INC. | $6K | $1K | $7K | 4.28% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST OF MARYLAND, INC. | $0 | $4K | $4K | 2.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 1445 RESEARCH BLVD SUITE 210 ROCKVILLE, MD 20850 | CAREFIRST OF MARYLAND, INC. | $1K | $0 | $1K | 0.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 11019 MCCORMICK ROAD SUITE 110 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.31% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 W SUSQUEHANNA AVE SUITE 400 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.59% |
| BLUE HARBOR BENEFITS LLC3 | 210 ALLEGHENY AVE STE 310 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $481 | $0 | $481 | 0.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 11019 MCCORMICK ROAD SUITE 110 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 16.41% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 W SUSQUEHANNA AVE SUITE 400 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $765 | $0 | $765 | 2.69% |
| BLUE HARBOR BENEFITS LLC3 | 210 ALLEGHENY AVE STE 310 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $255 | $0 | $255 | 0.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, INC | 11019 MCCORMICK ROAD SUITE 110 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.12% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 W SUSQUEHANNA AVE SUITE 400 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $316 | $0 | $316 | 1.42% |
| BLUE HARBOR BENEFITS LLC3 | 210 ALLEGHENY AVE STE 310 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $105 | $0 | $105 | 0.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 11019 MCCORMICK ROAD SUITE 110 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.71% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 W SUSQUEHANNA AVE SUITE 400 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $200 | $0 | $200 | 1.71% |
| BLUE HARBOR BENEFITS LLC3 | 210 ALLEGHENY AVE STE 310 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $67 | $0 | $67 | 0.57% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAREFIRST OF MARYLAND, INC. | 717 | $162K |
| Vision | CAREFIRST OF MARYLAND, INC. | 717 | $162K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $34K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 255 | $91K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 86 | $28K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 248 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.