| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ART HAUSER INSURANCE INC3 | 5905 E GALBREATH ROAD SUITE 9000 CINCINNATI, OH 45236 | CAREFIRST BLUECHOICE, INC. | $2K | $32K | $34K | 4.44% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 NORTH PARK DRIVE S310 HUNT VALLEY, MA 21030 | CAREFIRST BLUECHOICE, INC. | $0 | $11K | $11K | 1.39% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | CAREFIRST BLUECHOICE, INC. | $298 | $4K | $4K | 0.56% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INS INC | 5905 E GALBRAITH ROAD SUITE 9000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.26% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.71% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS DBA CAPI | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $296 | $0 | $296 | 0.54% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS DBA SALT | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | METROPOLITAN LIFE INSURANCE COMPANY | $198 | $0 | $198 | 0.36% |
| HAUSER INC3 | 5905 E GALBREATH ROAD SUITE 9000 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.10% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 111 | $764K |
| Dental | CAREFIRST BLUECHOICE, INC. | 111 | $764K |
| Vision | CAREFIRST BLUECHOICE, INC. | 111 | $764K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $67K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $67K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $67K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 111 | $764K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.