Welfare broker

CENTRAL MARYLAND INSURANCE ASSOC

Mailing address (most recent filing)

2045 YORK RD

STE 200

TIMONIUM, MD 21093

Total comp: $335K
Commissions: $206K
Fees: $128K
Filings: 7
Sponsors: 7

Carrier mix

Where CENTRAL MARYLAND INSURANCE ASSOC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

UNITEDHEALTHCARE INSURANCE COMPANY25.0%
KAISER FOUNDATION HEALTH PLAN INC25.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY25.0%
BLUE CROSS OF CALIFORNIA25.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
UNITEDHEALTHCARE INSURANCE COMPANY	1	$1.0M	25.0%
KAISER FOUNDATION HEALTH PLAN INC	1	$755K	25.0%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	1	$1.5M	25.0%
BLUE CROSS OF CALIFORNIA	1	$1.4M	25.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
MD	4	$4.8M	0.2%	71.90x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of CENTRAL MARYLAND INSURANCE ASSOC's plans by broker comp / premium ratio. Median 4.47% vs welfare-wide median 6.29% (n=4).

Prospect-flag exposure · vs market baseline

Share of CENTRAL MARYLAND INSURANCE ASSOC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-4 of 4 sponsors where CENTRAL MARYLAND INSURANCE ASSOC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
DAVID S. BROWN ENTERPRISES, LTD. DAVID S. BROWN ENTERPRISES, LTD. FLEXIBLE BENEFITS PLAN	MD	$1.4M	$90K	CAREFIRST BLUECHOICE, INC.
ATLAS CONTAINER CORPORATION ATLAS CONTAINER CORPORATION WELFARE PLAN	MD	$1.0M	$68K	UNITEDHEALTHCARE INSURANCE COMPANY
GAMSE LITHOGRAPHING COMPANY, INC. OF DELAWARE GAMSE LITHOGRAPHING COMPANY, INC. OF DELAWARE GROUP LIFE AND MEDICAL PLAN	MD	$755K	$20K	KAISER
LIFT OFF DISTRIBUTION, LLC LIFT OFF DISTRIBUTION, LLC WELFARE PLAN	MD	$1.5M	$11K	CIGNA HEALTH AND LIFE INSURANCE COMPANY