| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANKLIN FINANCIAL GROUP LLC3 | 11019 MCCORMICK ROAD SUITE 110 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE, INC.- CAREFIRST OF MARYLAND, INC. | $591 | $7K | $7K | 8.85% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC.- CAREFIRST OF MARYLAND, INC. | — | $6K | $6K | 7.18% |
| HENRY C B FRANKLIN3 | 11019 MCCORMICK RD SUITE 110 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE, INC.- CAREFIRST OF MARYLAND, INC. | $6K | -$881 | $5K | 6.05% |
| FRANKLIN FINANCIAL GROUP LLC3 Filed as: FRANKLIN FINANCIAL GROUP | 11350 MCCORMICK ROAD SUITE 200 HUNT VALLEY, MD 210311002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 6.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7 | $44 | $51 | 0.07% |
| FRANKLIN FINANCIAL GROUP LLC3 Filed as: FRANKLIN FINANCIAL GROUP, LLC | 11350 MCCORMICK ROAD SUITE 200 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| FRANKLIN FINANCIAL GROUP LLC3 Filed as: FRANKLIN FINANCIAL GROUP, LLC | 11350 MCCORMICK ROAD SUITE 200 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FRANKLIN FINANCIAL GROUP LLC3 Filed as: FRANKLIN FINANCIAL GROUP, LLC | 11350 MCCORMICK ROAD SUITE 200 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $952 | — | $952 | 10.84% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13 | $8 | $21 | 0.24% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAREFIRST BLUECHOICE, INC.- CAREFIRST OF MARYLAND, INC. | 495 | $81K |
| Vision | CAREFIRST BLUECHOICE, INC.- CAREFIRST OF MARYLAND, INC. | 495 | $81K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 215 | $33K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $76K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 38 | $31K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 215 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.