| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF RD TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | CAREFIRST BLUECHOICE, INC. | — | $78K | $78K | 5.06% |
| EMPLOYEE BENEFITS CORP OF AMERICA5 Filed as: EMPLOYEE BENEFITS CORP AMERICA | PO BOX 10100 MCLEAN, VA 22102 | CAREFIRST BLUECHOICE, INC. | — | $8K | $8K | 0.49% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC. | 1701 W GOLF RD TOWER 3, STE 700 ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 11.17% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 210 | $1.5M |
| Dental(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 210 | $1.8M |
| Vision(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 210 | $1.8M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $250K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $250K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $250K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 210 | $1.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.