| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL ST BOSTON, MA 02110 | GHMSI/CAREFIRST BLUECHOICE | — | $119K | $119K | 4.76% |
| MATHER & STROHL ADMINISTRATIVE SVCS5 | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | GHMSI/CAREFIRST BLUECHOICE | — | $14K | $14K | 0.58% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 7500 OLD GEORGETOWN ROAD, STE #1225 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $974 | $9K | 5.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY | 11220 ASSETT LOOP, STE #104 MANASSAS, VA 20109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $178 | $2K | 1.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 7500 OLD GEORGETOWN ROAD, STE #1225 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.30% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $402 | $402 | 0.37% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI/CAREFIRST BLUECHOICE | 149 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $108K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $154K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $154K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $154K |
| Prescription drug | GHMSI/CAREFIRST BLUECHOICE | 149 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
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.