| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW S RUHLAND3 | 2101 ROUTE 70 EAST CHERRY HILL, NJ 08003 | GROUP HOSPITALIZATION MEDICAL SERVICES INC CAREFIRST BLUECHOICE INC | $0 | $106K | $106K | 4.56% |
| EMPLOYEE BENEFITS CORP OF AMERICA5 Filed as: EMPLOYEE BENEFITS CORPORATION OF AM | 1430 SPRING HILL ROAD SUITE 320 MCLEAN, VA 22102 | GROUP HOSPITALIZATION MEDICAL SERVICES INC CAREFIRST BLUECHOICE INC | $0 | $11K | $11K | 0.47% |
| ANCHOR FINANCIAL GROUP5 | 5309 COMMONWEALTH CENTRE PARKWAY SUITE 200 MIDLOTHIAN, VA 23112 | GROUP HOSPITALIZATION MEDICAL SERVICES INC CAREFIRST BLUECHOICE INC | $0 | $0 | $0 | 0.00% |
| NATIONALHR RBN ASSOCIATES LLC3 | 2101 MARLTON PIKE E CHERRY HILL, NJ 08003 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.60% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.50% |
| NATIONALHR RBN ASSOCIATES LLC3 | 2101 ROUTE 70 E CHERRY HILL, NJ 08003 | VISION SERVICE PLAN | $2K | — | $2K | 4.69% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | HARTFORD FIRE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $893 | — | $893 | 11.77% |
| WEINBERG LLC3 | 321 RESERVE GATE TERRACE SILVER SPRING, MD 20905 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $446 | — | $446 | 5.88% |
| WEBTPA EMPLOYER SERVICES LLC5 Filed as: WEBTPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 2.20% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ELIXR | $82 | $0 | $82 | 3.38% |
| WEINBERG LLC3 | 321 RESERVE GATE TERRACE SILVER SPRING, MD 20905 | ELIXR | $78 | — | $78 | 3.21% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINNGSTOWN, RI 02852 | COMPANION LIFE INSURANCE COMPANY - COLUMBIA | $145 | $0 | $145 | 13.55% |
| WEINBERG LLC3 | 321 RESERVE GATE TERRACE SILVER SPRING, MD 20905 | COMPANION LIFE INSURANCE COMPANY - COLUMBIA | $38 | — | $38 | 3.55% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES INC CAREFIRST BLUECHOICE INC | 332 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 490 | $220K |
| Vision | VISION SERVICE PLAN | 144 | $40K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES INC CAREFIRST BLUECHOICE INC | 332 | $2.3M |
| Other | HARTFORD FIRE INSURANCE COMPANY | 57 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.