| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVE SUITE 400 TOWSON, MD 21204 | CAREFIRST OF MARYLAND, INC. | $9K | $0 | $9K | 4.60% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST OF MARYLAND, INC. | $0 | $6K | $6K | 3.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 1445 RESEARCH BLVD SUITE 210 ROCKVILLE, MD 20850 | CAREFIRST OF MARYLAND, INC. | $821 | $2K | $3K | 1.67% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS INC | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.61% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 W SUSQUEHANNA AVE SUITE 400 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.41% |
| BLUE HARBOR BENEFITS LLC3 | 210 ALLEGHENY AVE STE 310 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S BLDG 11 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $173 | $173 | 0.13% |
| FRANKLIN FINANCIAL GROUP LLC3 | 11019 MCCORMICK ROAD SUITE 110 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.00% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 W SUSQUEHANNA AVE SUITE 400 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| BLUE HARBOR BENEFITS LLC3 | 210 ALLEGHENY AVE STE 310 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS INC | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.66% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S BLDG 11 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $48 | $48 | 0.13% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 W SUSQUEHANNA AVE SUITE 400 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.46% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS INC | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.65% |
| BLUE HARBOR BENEFITS LLC3 | 210 ALLEGHENY AVE STE 310 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $845 | $0 | $845 | 2.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S BLDG 11 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $39 | $39 | 0.11% |
| FRANKLIN FINANCIAL GROUP LLC3 | 11019 MCCORMICK ROAD SUITE 110 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.05% |
| 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 | 6.42% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS INC | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $671 | $671 | 3.83% |
| BLUE HARBOR BENEFITS LLC3 | 210 ALLEGHENY AVE STE 310 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $375 | $0 | $375 | 2.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S BLDG 11 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $23 | $23 | 0.13% |
| FRANKLIN FINANCIAL GROUP LLC3 | 11019 MCCORMICK ROAD SUITE 110 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.07% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS INC | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $346 | $6K | 35.21% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 W SUSQUEHANNA AVE SUITE 400 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 28.21% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS INC | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $219 | $4K | 35.20% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 W SUSQUEHANNA AVE SUITE 400 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 28.20% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS INC | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $957 | $0 | $957 | 10.00% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 W SUSQUEHANNA AVE SUITE 400 TOWSON, MD 21204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $478 | $0 | $478 | 5.00% |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAREFIRST OF MARYLAND, INC. | 674 | $189K |
| Vision | CAREFIRST OF MARYLAND, INC. | 674 | $189K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 477 | $52K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 562 | $132K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 144 | $36K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 477 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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.