| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 NORTH PARK DRIVE COCKEYSVILLE, MD 21030 | CAREFIRST BLUECHOICE INC. | $7K | $88K | $94K | 4.88% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER AND STROHL ADMIN. SERVICES | 12404 PARK CENTRAL DRIVE-SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE INC. | — | $21K | $21K | 1.10% |
| CONSLIDATED INSURANCE CENTER INC.3 | 11403 CRONRIDGE DRIVE-SUITE 270 OWNINGS MILLS, MD 21117 | CAREFIRST BLUECHOICE INC. | $624 | — | $624 | 0.03% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS DOWNES | 555 FAIRMOUNT AVE - FL 6 BALTIMORE, MD 21286 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | $10K | $25K | 13.79% |
| CONSOLIDATED INSURANCE CENTER3 Filed as: CONSOLIDATED INSURANCE & RISK MGMT | 11403 CRONRIDGE DR-STE 270 OWNINGS MILLS, MD 21117 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 3.73% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE-STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 3.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR-STE 400S DALLAS, TX 752512775 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.19% |
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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE INC. | 461 | $1.9M |
| Dental | CAREFIRST BLUECHOICE INC. | 461 | $1.9M |
| Vision | CAREFIRST BLUECHOICE INC. | 461 | $1.9M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $182K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $182K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $182K |
| Prescription drug | CAREFIRST BLUECHOICE INC. | 461 | $1.9M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 403 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.