| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 117 SLAYDEN DRIVE THOMASTON, GA 30286 | CAREFIRST BLUECHOICE, INC. | — | $38K | $38K | 2.46% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 540 FORT EVANS RD. NE., STE. 301 LEESBURG, VA 20176 | CAREFIRST BLUECHOICE, INC. | — | $36K | $36K | 2.30% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE, INC. | — | $1K | $1K | 0.08% |
| AMWINS5 Filed as: ANWINS CONNECT ADMINISTRATORS, INC. | 6 NORTH PARK DRIVE, STE. 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | — | $806 | $806 | 0.05% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS ROAD SUITE 301 LEESBURG, VA 20176 | GUARDIAN | $16K | $7K | $23K | 6.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | GUARDIAN | $11K | — | $11K | 3.29% |
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 | 306 | 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) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 270 | $1.6M |
| Dental | GUARDIAN | 336 | $344K |
| Vision | GUARDIAN | 336 | $344K |
| Life insurance | GUARDIAN | 336 | $344K |
| Short-term disability | GUARDIAN | 336 | $344K |
| Long-term disability | GUARDIAN | 336 | $344K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 270 | $1.6M |
| Other | GUARDIAN | 336 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.