| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GHMSI/CAREFIRSTBLUECHOICE | $11K | — | $11K | 1.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND- HUNT VALLEY | 225 SCHILLING CIRCLE SUITE 150 HUNT VALLEY, MD 21031 | GHMSI/CAREFIRSTBLUECHOICE | $7K | $39 | $7K | 0.99% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES INC | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | GHMSI/CAREFIRSTBLUECHOICE | $4K | — | $4K | 0.50% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER & STROHL | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | GHMSI/CAREFIRSTBLUECHOICE | — | $1K | $1K | 0.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC | PO BOX 13784 NEWARK, NJ 07188 | DOMINION NATIONAL | $2K | — | $2K | 7.65% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DOMINION NATIONAL | $9 | — | $9 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY & SCHILLING INC | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $143 | $16 | $159 | 11.14% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI/CAREFIRSTBLUECHOICE | 94 | $719K |
| Dental | DOMINION NATIONAL | 96 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $1K |
| Prescription drug | GHMSI/CAREFIRSTBLUECHOICE | 94 | $719K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.