| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFITS RESOURCES INC3 Filed as: BENEFITS RESOURCES, INC. | 13910 LAUREL LAKES AVENUE LAUREL, MD 20707 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $19K | $24 | $19K | 2.99% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOC FINANCIAL SERVICES | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $6K | — | $6K | 0.90% |
| EBCA3 | 1410 SPRING HILL RD STE 300 COLUMBIA, MD 21046 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $5K | $5K | 0.80% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER & STROHL | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $2K | $2K | 0.24% |
| THE BENEFITS RESOURCES INC3 Filed as: BENEFITS RESOURCES, INC. | 1390 LAUREL LAKES AVENUE LAUREL, MD 207075084 | HARTFORD LIFE AND ACCIDENT | $11K | $4K | $15K | 20.09% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOC FINANCIAL SERVICES | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 4.44% |
| THE BENEFITS RESOURCES INC3 Filed as: BENEFITS RESOURCES, INC. | PO BOX 818 ARNOLD, MD 21012 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.18% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOC FINANCIAL SERVICES | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.82% |
| THE BENEFITS RESOURCES INC3 Filed as: BENEFITS RESOURCES, INC. | PO BOX 818 ARNOLD, MD 21012 | AMERITAS LIFE INSURANCE CORP | $1K | $143 | $2K | 6.98% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES INC | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | AMERITAS LIFE INSURANCE CORP | $146 | — | $146 | 0.67% |
| RISK COOPERATIVE LLC3 | 110 NEW YORK AVE NW STE 710W WASHINGTON, DC 20005 | AMERITAS LIFE INSURANCE CORP | $145 | — | $145 | 0.66% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 66 | $625K |
| Dental(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 157 | $681K |
| Vision(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 176 | $647K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 107 | $76K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 107 | $76K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 107 | $76K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 66 | $625K |
| Other | HARTFORD LIFE AND ACCIDENT | 107 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.