| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W. STATE RD. #434 LONGWOOD, FL 32750 | CAREFIRST BLUECHOICE, INC. | — | $27K | $27K | 3.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DR. SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE, INC. | — | $5K | $5K | 0.65% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | — | $713 | $713 | 0.09% |
| INSURANCE OFFICE OF AMERICA3 | 1855 W. SR 434 LONGWOOD, FL 32750 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | $103 | $3K | 10.34% |
| INSURANCE OFFICE OF AMERICA ONTARIO3 Filed as: INSURANCE OFFICA OF AMERICA, INC. | 1855 W. STATE RD. #434 LONGWOOD, FL 32750 | VISION SERVICE PLAN | $533 | — | $533 | 9.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $1 | — | $1 | 0.02% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA, INC. | 4915 W. CYPRESS ST. SUITE 100 TAMPA, FL 33607 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $434 | — | $434 | 10.01% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 169 | $780K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 82 | $30K |
| Vision | VISION SERVICE PLAN | 58 | $6K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 125 | $4K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 169 | $780K |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 125 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.