| 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, INC. | — | $117K | $117K | 3.50% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE | 12404 PARK CENTRAL DRIVE SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE, INC. | — | $17K | $17K | 0.51% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES INC | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.48% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 | 1445 RESEARCH BOULEVARD SUITE 340 ROCKSVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 10.17% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $5K | $13K | 15.56% |
| 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 | $5K | $3K | $7K | 12.25% |
| 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 | $3K | $7K | 12.10% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOC FINANCIAL SERVICES | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 180 | $3.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 741 | $227K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 502 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $175K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $56K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $60K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 180 | $3.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.