| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE TOWSON, MD 21286 | CAREFIRST BLUECHOICE, INC. | — | $105K | $105K | 3.35% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MA 21030 | CAREFIRST BLUECHOICE, INC. | — | $28K | $28K | 0.88% |
| DAVID A HICKS LTD3 | 11 EAST POULTNEY STREET PO BOX 6370 BALTIMORE, MD 21230 | CAREFIRST BLUECHOICE, INC. | -$230 | $8K | $8K | 0.24% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | — | $2K | $2K | 0.05% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4200 INNSLAKE DRIVE SUITE 202 GLEN ALLEN, VA 23060 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 6.59% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY # 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $478 | $478 | 0.34% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC | — | UNITED CONCORDIA INSURANCE COMPANY | $13K | $6K | $19K | 14.72% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 214 | $3.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 194 | $130K |
| Vision | CAREFIRST BLUECHOICE, INC. | 214 | $3.1M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $140K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $140K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $140K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 214 | $3.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.