| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CFA LLC3 Filed as: CFA, LLC | 1501 S. CLINTON ST. BALTIMORE, MD 21224 | SYMETRA LIFE INSURANCE COMPANY | — | $59K | $59K | 2.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 THIRD PARTY ADMIN/PBM | Insurance services Service code 23 | — | $1.4M |
| USI INSURANCE SERVICES EIN 56-1882208 BROKER | Insurance agents and brokers Service code 22 | — | $374K |
| CORDIA PARTNERS EIN 45-3491273 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $142K |
| BENEFITFOCUS EIN 57-1099948 BENEFIT ADMINISTRATOR | Recordkeeping fees Service code 64 | — | $127K |
| S. ROBINSON PLAN EMPLOYEE | Employee (plan) Service code 30 | 2050 BALLENGER AVE., STE 400 ALEXANDRIA, VA 22314 | $125K |
| HEALTH ADVOCATE EIN 36-2167779 OTHER | Other services Service code 49 | — | $102K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 NONE | Contract Administrator Service code 13 | — | $101K |
| VISION SERVICE PLAN EIN 06-1227840 VISION ADMINISTRATOR | Insurance services Service code 23 | — | $51K |
| THE INSURANCE EXCHANGE EIN 52-0850056 INSURANCE | Insurance services Service code 23 | — | $42K |
| ARONSON, LLC EIN 37-1611326 AUDITOR | Accounting (including auditing) Service code 10 | — | $41K |
| MD LIVE EIN 35-2486216 TELEHEALTH SERVICES | Other services Service code 49 | — | $30K |
| WEX HEALTH/DISCOVERY BENEFITS COBRA/FLEX ADMIN | Other services Service code 49 | 1 HANCOCK ST. PORTLAND, ME 04101 | $10K |
| CONIFER HEALTH EIN 23-1728483 HEALTH DATA WAREHOUSE | Other fees Service code 99 | — | $9K |
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 | 3,391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 3,061 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,061 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.