| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD EXECUTIVE PLAZA III, SUITE 1203 HUNT VALLEY, MD 21031 | CAREFIRST OF MARYLAND, INC. | $117K | $117K | $234K | 8.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $10K | $34K | 15.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINA BEACH, VA 23466 | STARMOUNT LIFE INSURANCE COMPANY | $19K | $6K | $25K | 13.33% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $957 | $6K | 21.76% |
| ROGERS BENEFIT GROUP INC3 Filed as: EMERON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 5.02% |
| MARY THERESA FISHER4 | 898 UNION CHURCH ROAD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $596 | $0 | $596 | 5.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $368 | $0 | $368 | 3.29% |
| RSC INSURANCE BROKERAGE INC4 | 160 FEDERAL STREET BOSTON, MA 02110 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $210 | $0 | $210 | 1.88% |
| PROFESSIONAL BENEFITS SOLUTIONS INC4 Filed as: PROFESSIONAL BENEFITS SOLUTIONS | PO BOX 783088 PHILADELPHIA, PA 19178 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $140 | $0 | $140 | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 8945 GUILFORD ROAD, SUITE 145 COLUMBIA, MD 21046 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 1.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 1.27% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $44 | $44 | 0.91% |
| ANDREAS TEDDY DAILEY3 | 7862 WEST IRLO BRONSON HIGHWAY SUITE 337 KISSIMMEE, FL 34747 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.08% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 346 | $2.8M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 169 | $186K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 169 | $186K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $218K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $218K |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $224K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 346 | $2.8M |
| Other(6 contracts, 6 carriers) | CAREFIRST OF MARYLAND, INC. | 346 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.