| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | CAREFIRST BLUECHOICE,INC. | $42K | $23K | $65K | 4.70% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | CAREFIRST BLUECHOICE,INC. | — | $13K | $13K | 0.95% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | CAREFIRST BLUECHOICE,INC. | — | $2K | $2K | 0.16% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $1K | $13K | 8.06% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC. | 195 BROADWAY FLOOR 15 NEW YORK, NY 10007 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $30 | $5K | 2.88% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 16.07% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 73 RICE AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | $2K | $3K | $5K | 11.87% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE,INC. | 113 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $161K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $161K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $161K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $161K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $161K |
| Prescription drug | CAREFIRST BLUECHOICE,INC. | 113 | $1.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.