| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES INC | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | GHMSI | $20K | $8K | $28K | 4.23% |
| BENEFITMALL3 Filed as: BENEFITMALL/MATHER & STROHL ADMINIS | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | GHMSI | — | $8K | $8K | 1.15% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DOMINION NATIONAL | $579 | — | $579 | 1.28% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES | 1445 RESEARCH BOULEVARD #340 ROCKVILLE, MD 20850 | DOMINION NATIONAL | $568 | — | $568 | 1.26% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOCIATES FINANCIAL | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $131 | $10 | $141 | 11.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY & SCHILLING INC | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$11 | -$1 | -$12 | -1.00% |
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 | 88 | 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) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 81 | $673K |
| Dental | DOMINION NATIONAL | 87 | $45K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $1K |
| Prescription drug | GHMSI | 81 | $673K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 104 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.