| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP, INC. | 2218 PACE STREET PHILADELPHIA, PA 19103 | CAREFIRST BLUECHOICE INC, GROUP HOSPITALIZATION & MEDICAL SERVICES INC | $44K | $96 | $44K | 2.03% |
| HUMAN CAPITAL CONSULTANTS, LLC3 | 6021 UNIVERSITY BLVD., STE 140 ELLICOTT CITY, MD 21043 | CAREFIRST BLUECHOICE INC, GROUP HOSPITALIZATION & MEDICAL SERVICES INC | $22K | $96 | $22K | 1.02% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMIN. SERVICES | 501 FAIRMOUNT AVE, STE 400 TOWSON, MD 21284 | CAREFIRST BLUECHOICE INC, GROUP HOSPITALIZATION & MEDICAL SERVICES INC | $0 | $18K | $18K | 0.84% |
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 | 296 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE INC, GROUP HOSPITALIZATION & MEDICAL SERVICES INC | 233 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 296 | $59K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $32K |
| Prescription drug | CAREFIRST BLUECHOICE INC, GROUP HOSPITALIZATION & MEDICAL SERVICES INC | 233 | $2.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 296 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.