| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | GROUP HOSPITALIZATION MEDICAL SERVICES INC/CAREFIRST BLUECHOICE INC | — | $42K | $42K | 3.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR BETHESDA, MD 20817 | GROUP HOSPITALIZATION MEDICAL SERVICES INC/CAREFIRST BLUECHOICE INC | — | $38K | $38K | 3.47% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOCIATES | 4740 CORRIDOR PL BELTSVILLE, MD 20705 | GROUP HOSPITALIZATION MEDICAL SERVICES INC/CAREFIRST BLUECHOICE INC | — | $5K | $5K | 0.49% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY S AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $641 | $641 | 1.16% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $675 | — | $675 | 6.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $465 | — | $465 | 4.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY S AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $110 | $110 | 1.12% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $564 | — | $564 | 6.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DR BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $389 | — | $389 | 4.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY S AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $93 | $93 | 1.13% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES INC/CAREFIRST BLUECHOICE INC | 130 | $1.1M |
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES INC/CAREFIRST BLUECHOICE INC | 130 | $1.1M |
| Vision | GROUP HOSPITALIZATION MEDICAL SERVICES INC/CAREFIRST BLUECHOICE INC | 130 | $1.1M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $10K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $55K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $8K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES INC/CAREFIRST BLUECHOICE INC | 130 | $1.1M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.