| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OLSON BENEFIT GROUP, LLC3 | 3509 PINETREE TERRACE FALLS CHURCH, VA 22041 | CAREFIRST BLUECHOICE, INC. | $37K | $0 | $37K | 2.03% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | $22K | $0 | $22K | 1.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | CAREFIRST BLUECHOICE, INC. | $16K | $0 | $16K | 0.84% |
| MATHER & STROHL ADMINISTRATIVE SVCS5 Filed as: MATHER AND STROHL ADMINISTRATIVE SV | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | $7K | $0 | $7K | 0.40% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.26% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.31% |
| OLSON BENEFIT GROUP, LLC3 | 3509 PINETREE TERRACE FALLS CHURCH, VA 22041 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.90% |
| OLSON BENEFIT GROUP, LLC3 | 1011 SCARBOROUGH AVE REHOBOTH, DE 19971 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 3.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 2.29% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $54 | $4K | 13.86% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $207 | $2K | 6.68% |
| OLSON BENEFIT GROUP, LLC3 | 1011 SCARBOROUGH AVENUE REHOBOTH BEACH, DE 19971 | METROPOLITAN LIFE INSURANCE COMPANY | $936 | $0 | $936 | 3.22% |
| OLSON BENEFIT GROUP, LLC3 | 1011 SCARBOROUGH AVENUE REHOBOTH BEACH, DE 19971 | VISION SERVICE PLAN | $557 | $0 | $557 | 2.90% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $277 | $0 | $277 | 1.44% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $218 | $0 | $218 | 1.13% |
| OLSON BENEFIT GROUP, LLC3 | 1011 SCARBOROUGH AVE REHOBOTH BEACH, DE 19971 | METLIFE LEGAL PLANS | $521 | $0 | $521 | 5.71% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | METLIFE LEGAL PLANS | $502 | $0 | $502 | 5.50% |
| ENROLLEASE3 Filed as: ONEDIGITAL HEALTH AND BENEFITS | 8235 FORSYTH BLVD CLAYTON, MO 63105 | METLIFE LEGAL PLANS | $346 | $0 | $346 | 3.79% |
| CRAWFORD ADVISORS, LLC3 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | METLIFE LEGAL PLANS | $0 | $33 | $33 | 0.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | METLIFE LEGAL PLANS | $0 | $11 | $11 | 0.12% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAREFIRST BLUECHOICE, INC. | 213 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 153 | $119K |
| Vision | VISION SERVICE PLAN | 101 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $138K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 213 | $1.8M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 138 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.