| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BOULEVARD SUITE 210 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE, INC. | $334 | $33K | $33K | 6.48% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER AND STROHL ADMIN. SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | $0 | $10K | $10K | 1.92% |
| MATHER BENEFIT ADMINISTRATORS, LLC5 | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 11.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $722 | $722 | 1.46% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKVILLE, MD 20833 | AFLAC | $181 | $0 | $181 | 4.75% |
| KELLY MCGARRY3 | 4750 NORTH ORACLE ROAD SUITE 214 TUCSON, AZ 85705 | AFLAC | $84 | $0 | $84 | 2.20% |
| DAVID SCHENKEL JR3 Filed as: DAVID SCHENKEL JR. | 4000 BLACKBURN LANE, SUITE 260 BURTONSVILLE, MD 20866 | AFLAC | $44 | $0 | $44 | 1.15% |
| SUSAN BUCKA3 | 4000 BLACKBURN LANE, SUITE 260 BURTONSVILLE, MD 20866 | AFLAC | $22 | $0 | $22 | 0.58% |
| NICHOLAS CAFFREY3 | 6502 NORTH CALLE LOTTIE TUCSON, AZ 85718 | AFLAC | $19 | $0 | $19 | 0.50% |
| DONALD PRITCHETT3 Filed as: DONALD PRITCHETT AND OTHER AGENTS | 6729 GREEN MILL WAY COLUMBIA, MD 21044 | AFLAC | $18 | $0 | $18 | 0.47% |
| BRIAN GEORGE JAEGGI3 | 8591 DYNASTY DRIVE BOCA RATON, FL 33433 | AFLAC | $15 | $0 | $15 | 0.39% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 116 | $509K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 73 | $50K |
| Vision | CAREFIRST BLUECHOICE, INC. | 116 | $509K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 73 | $50K |
| Short-term disability | AFLAC | 5 | $4K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 116 | $509K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 101 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.