Form 5500 · Employee benefit plan · FREDERICK, MD
THE YOUNG MEN'S CHRISTIAN ASSOCIATION OF FREDERICK COUNTY MARYLAND, IN
The filing calls this plan THE YOUNG MEN'S CHRISTIAN ASSOCIATION OF FREDERICK COUNTY MARYLAND, INCORPORATED GROUP INSURANCE PLAN.
THE YOUNG MEN'S CHRISTIAN ASSOCIATION OF FREDERICK COUNTY MARYLAND, IN of FREDERICK, MD spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is THE BALDWIN GROUP MID-ATLANTIC, LLC. Coverage is written through SUN LIFE ASSURANCE COMPANY OF CANADA and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 52-0607953 · plan 502 · plan year 2025, filed Jul 15, 2026
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
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.
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 3 insured contracts covering dental, vision, life and disability; the largest, with SUN LIFE ASSURANCE COMPANY OF CANADA, covers 92 people.
Reported premium across the insured contracts is $96,737, with $6,548 in disclosed broker commissions — about 6.8% 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.
THE BALDWIN GROUP MID-ATLANTIC, LLC is the broker of record on all 3 contracts.
3 carriers appear on the filing, including SUN LIFE ASSURANCE COMPANY OF CANADA, EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA and FIDELITY SECURITY LIFE INSURANCE COMPANY. SUN LIFE ASSURANCE COMPANY OF CANADA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 155 | Jan 1, 2026 | $38,592 | $3,190 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Dental | 92 | Jan 1, 2026 | $50,634 | $2,532 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 101 | Jan 1, 2026 | $7,511 | $826 |
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
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