| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD EXECUTIVE PLAZA 3, SUITE 1203 BALTIMORE, MD 21031 | CAREFIRST OF MARYLAND, INC. | $0 | $84K | $84K | 2.65% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 5.53% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 3.54% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $82 | $12K | 5.14% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST BUILDING 16, SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 2.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET, FLOOR 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | -$27 | $4K | $4K | 1.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 300 CORPORATE CENTER, DRIVE 303 CAMP HILL, PA 17011 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $2K | $23K | 34.59% |
| RSC INSURANCE BROKERAGE INC3 | 15233 VENTURA BOULEVARD SUITE 1020 SHERMAN OAKS, CA 91403 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $157 | $0 | $157 | 0.24% |
| BULFINCH GROUP INSURANCE AGENCY3 | UNKNOWN COLUMBIA, MD 21046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.00% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET STREET, SUITE 201 HARVE DE GRACE, MD 21078 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$4 | $0 | -$4 | -0.01% |
| MARY THERESA FISHER4 | 898 UNION CHURCH ROAD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 13.51% |
| USI INSURANCE SERVICES LLC4 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $446 | $0 | $446 | 2.95% |
| RSC INSURANCE BROKERAGE INC4 | 160 FEDERAL STREET BOSTON, MA 02110 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $333 | $0 | $333 | 2.21% |
| PROFESSIONAL BENEFITS SOLUTION4 | 8945 GUILFORD ROAD, SUITE 145 COLUMBIA, MD 21046 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $163 | $0 | $163 | 1.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 8945 GUILFORD ROAD, SUITE 145 COLUMBIA, MD 21046 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $231 | $0 | $231 | 2.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $92 | $92 | 0.89% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78 | $0 | $78 | 0.75% |
| ANDREAS TEDDY DAILEY3 | 7862 WEST IRLO BRONSON HIGHWAY SUITE 337 KISSIMMEE, FL 34747 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.43% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN COLUMBIA, MD 21046 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $413 | $0 | $413 | 10.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | UNKNOWN COLUMBIA, MD 21046 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$38 | $0 | -$38 | -0.92% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST OF MARYLAND, INC. | 376 | $3.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $249K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $249K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 219 | $303K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 219 | $303K |
| Long-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 219 | $315K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST OF MARYLAND, INC. | 376 | $3.2M |
| Other(6 contracts, 6 carriers) | CAREFIRST OF MARYLAND, INC. | 376 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.