| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM M SPENCE3 Filed as: WILLIAM SPENCE | 10206 GLOBE DRIVE SUITE 1700 ELLICOTT CITY, MD 21042 | CAREFIRST OF MARYLAND, INC. | $11K | $150K | $162K | 4.53% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 6 NORTH PARK DRIVE, STE. 310 HUNT VALLEY, MD 21030 | CAREFIRST OF MARYLAND, INC. | — | $29K | $29K | 0.81% |
| WILLIAM M SPENCE3 | 10206 GLOBE DRIVE ELLICOTT CITY, MD 21042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 11.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $542 | $3K | 4.49% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK RD STE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| WILLIAM M SPENCE3 | 10206 GLOBE DR ELLICOTT CITY, MD 21042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 11.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $449 | $2K | 4.58% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK RD STE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| WILLIAM M SPENCE3 | 10206 GLOBE DRIVE ELLICOTT CITY, MD 21042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 11.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $428 | $2K | 4.57% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK RD STE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| WILLIAM M SPENCE3 | 10206 GLOBE DRIVE ELLICOTT CITY, MD 21042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 11.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $343 | $2K | 4.43% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK RD SUITE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| WILLIAM M SPENCE3 | 10206 GLOBE DRIVE ELLICOTT CITY, MD 21043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 1311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $632 | $73 | $705 | 5.58% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS | 6 NORTH PARK DRIVE, STE. 310 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $379 | — | $379 | 3.00% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD. SUITE 390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.15% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 269 | $3.6M |
| Dental | CAREFIRST OF MARYLAND, INC. | 269 | $3.6M |
| Vision | CAREFIRST OF MARYLAND, INC. | 269 | $3.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $104K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $52K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 269 | $3.6M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.