| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAREFIRST ADMINISTRATORS5 | 1501 S CLINTON ST 7TH FLOOR BALTIMORE, MD 21224 | CAREFIRST BC/BS | — | $369K | $369K | 171.98% |
| CBG3 | 913 RIDGEBROOK SUITE 218 SPARKS GLENCOE, MD 21152 | ONE AMERICA/ AUL | $28K | — | $28K | 18.83% |
| CBG3 | 913 RIDGEBROOK SUITE 218 SPARKS GLENCOE, MD 21152 | METLIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.45% |
| CBG3 | 913 RIDGEBROOK SUITE 218 SPARKS GLENCOE, MD 21152 | ONE AMERICA/ AUL | $7K | — | $7K | 18.94% |
| CBG3 | 913 RIDGEBROOK SUITE 218 SPARKS GLENCOE, MD 21152 | SUPERIOR VISION PLAN | $2K | $0 | $2K | 12.18% |
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 | 282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BC/BS | 205 | $214K |
| Dental | METLIFE INSURANCE COMPANY | 469 | $104K |
| Vision | SUPERIOR VISION PLAN | 263 | $15K |
| Life insurance | ONE AMERICA/ AUL | 282 | $35K |
| Short-term disability | ONE AMERICA/ AUL | 282 | $149K |
| Prescription drug | CAREFIRST BC/BS | 205 | $214K |
| Stop-loss / reinsurancereinsurance | CAREFIRST BC/BS | 205 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.