| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE TOWNSON, MD 21286 | CAREFIRST BLUECHOICE | $83K | $187 | $83K | 2.58% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE TOWNSON, MD 21286 | HARTFORD LIFE AND ACCIDENT | $36K | $0 | $36K | 14.30% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4200 INNSLAKE DRIVE SUITE 303 GLEN ALLEN, VA 23060 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.41% |
| WESTPA EMPLOYER SERVICES, LLC3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.40% |
| DONOVAN INSURANCE GROUP INC3 Filed as: DONOVAN INSURANCE GROUP, INC. | 1458 WILDERNESS RIDGE CROWNSVILLE, MD 21032 | HARTFORD LIFE AND ACCIDENT | -$38 | $0 | -$38 | -0.02% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE TOWNSON, MD 21286 | EYEMED | $2K | $0 | $2K | 9.23% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 524 | $3.2M |
| Dental | CAREFIRST BLUECHOICE | 524 | $3.2M |
| Vision | EYEMED | 444 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 260 | $253K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 260 | $253K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 260 | $253K |
| Prescription drug | CAREFIRST BLUECHOICE | 524 | $3.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 260 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.