Form 5500 · Employee benefit plan · BERLIN, MD
CALVIN B. TAYLOR BANKING COMPANY
The filing calls this plan CALVIN B. TAYLOR BANKING COMPANY WELFARE BENEFIT PLAN.
Public Form 5500 records show how CALVIN B. TAYLOR BANKING COMPANY of BERLIN, MD, a finance and insurance employer, structures its employee benefits. Its broker of record is KELLY & ASSOCIATES INSURANCE GROUP,. Coverage is written through UNITED CONCORDIA INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 52-0505410 · plan 505 · plan year 2025, filed Jul 13, 2026
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How this plan is funded
Self-funded as reported
The filing names a third-party administrator on Schedule A and reports no medical premium.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 5 insured contracts covering dental, vision, life and disability; the largest, with UNITED CONCORDIA INSURANCE COMPANY, covers 89 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $135,094, with $14,635 in disclosed broker commissions — about 11% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
KELLY & ASSOCIATES INSURANCE GROUP, is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITED CONCORDIA INSURANCE COMPANY | Dental | 89 | Jan 1, 2026 | $60,767 | $6,084 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 115 | Jan 1, 2026 | $36,963 | $3,713 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 115 | Jan 1, 2026 | $17,451 | $2,503 |
| VISION SERVICE PLAN | Vision | 90 | Jan 1, 2026 | $11,518 | $1,492 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 115 | Jan 1, 2026 | $8,395 | $843 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Other plans filed by this employer
How this plan compares
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