| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | CAREFIRST BLUECHOICE, INC. | $837 | $21K | $22K | 6.76% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | $0 | $4K | $4K | 1.20% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $500 | $500 | 3.24% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $463 | $463 | 3.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MA 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.99% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $432 | $432 | 3.45% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $376 | $376 | 3.00% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 28 | $327K |
| Dental | CAREFIRST BLUECHOICE, INC. | 28 | $327K |
| Vision | CAREFIRST BLUECHOICE, INC. | 28 | $327K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $15K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 28 | $327K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.