| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE | $88K | $14K | $102K | 4.04% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FARIMONT AVENUE SUITE 400 TOWSON, MD 21284 | CAREFIRST BLUECHOICE | — | $13K | $13K | 0.53% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES INC | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.99% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $11K | 14.71% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 | 1445 RESEARCH BOULEVARD SUITE 340 ROCKSVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $8K | 11.64% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOC FINANCIAL SVS, INC. | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $7K | 14.54% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOC FINANCIAL SVS, INC. | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.64% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOC FINANCIAL SERVICES IN | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 150 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 631 | $154K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $71K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $47K |
| Prescription drug | CAREFIRST BLUECHOICE | 150 | $2.5M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 631 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.