| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM M SPENCE3 Filed as: WILLIAM SPENCE | 10206 GLOBE DRVIE, SUITE 1700 ELLICOTT CITY, MD 21042 | CAREFIRST OF MARYLAND, INC. | $10K | $201K | $211K | 3.94% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | CAREFIRST OF MARYLAND, INC. | $7K | $84K | $91K | 1.69% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD EXECUTIVE PLAZA IV, SUITE 400 HUNT VALLEY, MD 21030 | CAREFIRST OF MARYLAND, INC. | $0 | $27K | $27K | 0.50% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMIN SERVICES, LLC | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST OF MARYLAND, INC. | $0 | $17K | $17K | 0.33% |
| ADVOCATE, INC.3 Filed as: ADVOCATE NAVA BENEFITS | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 7.70% |
| WILLIAM M SPENCE3 Filed as: WILLIAM M. SPENCE | 10206 GLOBE DRIVE ELLICOTT CITY, MD 21042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.94% |
| 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 | $8K | $3K | $11K | 3.62% |
| CENTERSTONE INSURANCE AND FINANCIAL5 Filed as: CENTERSTONE INS. & FIN SER | 50 MAIN STREET, SUITE 320 WHITE PLAINS, NY 10606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.72% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD, SUITE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.46% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 263 WEST MAIN STREET ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.62% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 50 MAIN STREET, SUITE 320 WHITE PLAINS, NY 10606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $777 | $777 | 0.26% |
| WILLIAM M SPENCE3 Filed as: WILLIAM M. SPENCE | 10206 GLOBE DRIVE ELLICOTT CITY, MD 21043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.44% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $641 | $3K | 6.14% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.79% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $390 | $0 | $390 | 0.77% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $289 | $0 | $289 | 0.57% |
| FINANCIAL BALANCE GROUP LLC3 Filed as: FINANCIAL BALANCE GROUP, LLC | UNKNOWN HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $89 | $0 | $89 | 0.18% |
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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 716 | $5.4M |
| Dental | CAREFIRST OF MARYLAND, INC. | 716 | $5.4M |
| Vision | CAREFIRST OF MARYLAND, INC. | 716 | $5.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 354 | $293K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 354 | $293K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 354 | $293K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 716 | $5.4M |
| Other(3 contracts, 3 carriers) | CAREFIRST OF MARYLAND, INC. | 716 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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.