| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE TOWSON, MD 21286 | CAREFIRST BLUECHOICE, INC. | $0 | $41 | $41 | 0.00% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.99% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | PO BOX 3065 FAIRFAX, VA 22038 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $678 | $678 | 8.50% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | VISION SERVICE PLAN | $213 | $0 | $213 | 5.01% |
| ASSUREX GLOBAL CORPORATION3 | 175 SOUTH 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | VISION SERVICE PLAN | $53 | $0 | $53 | 1.25% |
| WELLS FARGO INSURANCE SERVICES3 | 115 NORTH STREET ASAPH STREET ALEXANDRIA, VA 22314 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $143 | $0 | $143 | 15.05% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 296 | $1.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 202 | $75K |
| Vision | VISION SERVICE PLAN | 32 | $4K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 120 | $119K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 109 | $111K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 109 | $111K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 296 | $1.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 120 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.