| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE SVC | 800 MAIN ST DUBUQUE, IA 52001 | CAREFIRST OF MARYLAND, INC. | $4K | $50K | $54K | 2.32% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS | 20 S KING STREET LEESBURG, VA 20175 | CAREFIRST OF MARYLAND, INC. | $4K | $30K | $34K | 1.46% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST OF MARYLAND, INC. | $0 | $10K | $10K | 0.44% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $6K | $17K | 10.54% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | DBA SALT MARGIN 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $787 | $4K | $4K | 2.61% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $924 | $3K | $4K | 2.41% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.84% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS RD STE 863 FAIRFAX, VA 220307428 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 13.95% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS SERVICES IN | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $640 | $9K | 13.50% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS INC | DBA THE CAPITAL GROUP 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 208171885 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $39 | $3K | 4.81% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL LLC | 6720A ROCKLEDGE DR STE 400 BETHESDA, MD 208171892 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.56% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | DBA AHT INSURANCE 20 S KING ST LEESBURG, VA 201753023 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $124 | $124 | 0.18% |
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 | 593 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 580 | $2.3M |
| Dental | CAREFIRST OF MARYLAND, INC. | 580 | $2.3M |
| Vision | CAREFIRST OF MARYLAND, INC. | 580 | $2.3M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 543 | $166K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 543 | $166K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 543 | $166K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 580 | $2.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 543 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.