Form 5500 · Employee benefit plan · WALDORF, MD
WALDORF FORD, INC.
The filing calls this plan WALDORF FORD, INC. WELFARE BENEFITS PLAN.
WALDORF FORD, INC. of WALDORF, MD is a 1,049-participant wholesale trade employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MCGRIFF INSURANCE SERVICES, INC.. Coverage is written through CAREFIRST BLUECHOICE, INC. and 3 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 52-1918602 · plan 501 · plan year 2025, filed Feb 16, 2026
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67 other employer plans in Maryland have policy years ending in July. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
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 4 insured contracts covering health, dental and life; the largest, with CAREFIRST BLUECHOICE, INC., covers 571 people.
Reported premium across the insured contracts is $5,384,917, with $15,487 in disclosed broker commissions — about 0.3% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
MCGRIFF INSURANCE SERVICES, INC. is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including CAREFIRST BLUECHOICE, INC., UNITED CONCORDIA INSURANCE COMPANY, TRANSAMERICA LIFE INSURANCE COMPANY and AMERICAN HERITAGE LIFE INSURANCE COMPANY. CAREFIRST BLUECHOICE, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITED CONCORDIA INSURANCE COMPANY | Dental | 635 | Aug 1, 2025 | $260,282 | $12,907 |
| TRANSAMERICA LIFE INSURANCE COMPANY | Life | 1,036 | Aug 1, 2025 | $16,536 | $2,480 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Life | 13 | Aug 1, 2025 | $1,814 | $100 |
| CAREFIRST BLUECHOICE, INC. | Health | 571 | Aug 1, 2025 | $5,106,285 | $0 |
Premium and claims on this contract
UNITED CONCORDIA INSURANCE COMPANY, contract 924056-006, 899. For the contract year on this filing, the carrier reported $260,282 in premium earned and $161,188 in claims incurred. Dividing one by the other gives 62%.
- UNITED CONCORDIA INSURANCE COMPANY, contract 924056-006, 899 reported $61,816 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
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.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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