| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE | $183K | $123 | $183K | 1.27% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6903 ROCKLEDGE DRIVE SUITE 950 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE | $106K | — | $106K | 0.73% |
| PHRA GLOBAL BUSINESS SERVICES, INC.3 | 1010 WISCONSIN AVE NW STE 620 WASHINGTON, DC 20007 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 2.51% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL GROUP LLC/THE | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 2.49% |
| PHRA GLOBAL BUSINESS SERVICES, INC.3 | 1010 WISCONSIN AVE NW STE 620 WASHINGTON, DC 20007 | UNION SECURITY INSURANCE COMPANY | $16K | — | $16K | 5.01% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720 B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNION SECURITY INSURANCE COMPANY | $16K | — | $16K | 4.99% |
| PHRA GLOBAL BUSINESS SVCS INC3 | 2331 MILLS RD STE 100 ARLINGTON, VA 22202 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 5.10% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720 B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 4.81% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | ADVANTICA REINSURANCE COMPANY | $5K | — | $5K | 4.72% |
| PHRA GLOBAL BUSINESS SERVICE3 | 2331 MILLS RD, STE 100 ALEXANDRIA, VA 22324 | ADVANTICA REINSURANCE COMPANY | $3K | — | $3K | 2.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTER FOR NONPROFIT ADVANCEMENT EIN 52-1139669 ADMINISTRATOR | Plan Administrator Service code 14 | — | $277K |
| CALIBRE CPA GROUP EIN 47-0900880 ACCOUNTING SERVICES | Accounting (including auditing) Service code 10 | — | $99K |
| VORNADO EIN 52-6097909 RENT | Other services Service code 49 | — | $86K |
| BROWN AND BROWN OF WASHINGTON EIN 91-0378940 CONSULTING | Consulting (general) Service code 16 | — | $70K |
| KILPATRICK, TOWNSEND AND STOCKTON EIN 58-0511774 LEGAL SERVICES | Legal Service code 29 | — | $54K |
| CLIFTONLARSONALLEN EIN 41-0746749 AUDIT AND ACCOUNTING | Accounting (including auditing) Service code 10 | — | $26K |
| COOLEY AND DARLING EIN 56-2672096 INSURANCE SERVICES | Insurance services Service code 23 | — | $25K |
| DECATHLON EIN 52-1544447 IT SERVICES | Other services Service code 49 | — | $15K |
| PERR & KNIGHT EIN 95-4511033 NONE | Investment management Service code 28 | — | $15K |
| NETWORK ALLIANCE, INC. EIN 54-1849889 IT SERVICES | Other services Service code 49 | — | $11K |
| SIMPLE IT CARE EIN 71-0981985 IT SERVICES | Other services Service code 49 | — | $10K |
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 | 2,539 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 1,578 | $15.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,540 | $689K |
| Vision | ADVANTICA REINSURANCE COMPANY | 1,848 | $105K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 2,034 | $313K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 2,034 | $428K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 303 | $115K |
| Prescription drug | CAREFIRST BLUECHOICE | 1,578 | $14.4M |
| Other | UNION SECURITY INSURANCE COMPANY | 2,034 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,034 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.