| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CAREFIRST BLUE CHOICE | $49K | $8K | $57K | 5.38% |
| BENEFITMALL5 Filed as: BENEFITMALL/MATHER & STROHL ADMIN | 501 FAIRMONT AVENUE SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUE CHOICE | — | $12K | $12K | 1.17% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | CAREFIRST BLUE CHOICE | $4K | $50 | $4K | 0.37% |
| C. T. HELLMUTH & ASSOCIATES, INC.5 Filed as: C. T. HELLMUTH & ASSOCIATES | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | CAREFIRST BLUE CHOICE | — | $492 | $492 | 0.05% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P O BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $7K | $37K | 21.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P O BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.45% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.21% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUE CHOICE | 114 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $173K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $173K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $173K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $173K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $173K |
| Prescription drug | CAREFIRST BLUE CHOICE | 114 | $1.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.