| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MA 21030 | CAREFIRST BLUECHOICE, INC. | — | $63K | $63K | 2.00% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE TOWSON, MD 21286 | CAREFIRST BLUECHOICE, INC. | — | $37K | $37K | 1.19% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | — | $22K | $22K | 0.69% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | — | $3K | $3K | 0.08% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, | — | UNITED CONCORDIA INSURANCE COMPANY | $13K | $13K | $27K | 20.02% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4200 INNSLAKE DRIVE SUITE 202 GLEN ALLEN, VA 23060 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 6.98% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY # 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $486 | $486 | 0.38% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 204 | $3.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 183 | $134K |
| Vision | CAREFIRST BLUECHOICE, INC. | 204 | $3.1M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $128K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $128K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $128K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 204 | $3.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 259 | $128K |
| 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.
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.