| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | CAREFIRST BLUECHOICE, INC. | $134K | $123 | $134K | 3.50% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOCIATES | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | — | $17K | $17K | 0.46% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 10.00% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $751 | $4K | 9.98% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $721 | — | $721 | 2.00% |
| RCM AND D3 Filed as: RCM&D | 555 FAIRMOUNT AVE. BALTIMORE, MD 21286 | ACE AMERICAN INSURANCE COMPANY | $5K | — | $5K | 16.00% |
| CHARON PLANNING CORPORATION3 | 2600 KELLY ROAD, SUITE 300 WARRINGTON, PA 18976 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $195 | $2K | 17.02% |
| RCM AND D3 Filed as: RCM &D INC. | 555 FAIRMOUNT AVE. BALTIMORE, MD 212860367 | NATIONAL UNION FIRE INS. CO. OF PITTSBURG PA | $735 | — | $735 | 17.50% |
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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 677 | $3.9M |
| Dental(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 677 | $3.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 440 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 396 | $50K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 677 | $3.8M |
| Other(3 contracts, 3 carriers) | ACE AMERICAN INSURANCE COMPANY | 299 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.