Form 5500 · Employee benefit plan · OWINGS MILLS, MD
CAREFIRST, INC.
CAREFIRST, INC. of OWINGS MILLS, MD spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is WILLIS TOWERS WATSON US LLC. Coverage is written through FIRST CARE, INC. and 4 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 52-2069215 · plan 503 · as of Aug 2026
Plan brief
Schedule A lists 6 insured contracts covering life and disability; the largest, with FIRST CARE, INC., covers 10,019 people.
Reported premium across the insured contracts is $7,893,278, with $511,728 in disclosed broker commissions — about 6.5% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
WILLIS TOWERS WATSON US LLC is the broker of record on 2 of the 6 contracts; the rest name a different broker or none.
5 carriers appear on the filing — FIRST CARE, INC., AMERICAN HERITAGE LIFE INSURANCE COMPANY, ARAG SERVICES, LLC and UNUM LIFE INSURANCE COMPANY OF AMERICA among them — with FIRST CARE, INC. writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| FIRST CARE, INC. | Life, Disability | 10,019 | March | $6,449,176 | $239,731 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 2,027 | March | $862,266 | $197,615 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 910 | March | $278,085 | $40,936 |
| ARAG SERVICES, LLC | — | 2,090 | March | $193,996 | $19,400 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 85 | March | $98,353 | $13,846 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | 5,942 | March | $11,402 | $200 |
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