| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CAREFIRST BLUECHOICE, INC. | $1K | $20K | $22K | 2.51% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | — | $12K | $12K | 1.36% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | $375 | $4K | $4K | 0.47% |
| MATHER & STROHL ADMIN SVCS INC3 | 12404 PARK CENTRAL SUITE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $29K | $6K | $35K | 122.00% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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. | 101 | $855K |
| Dental | CAREFIRST BLUECHOICE, INC. | 101 | $855K |
| Vision | CAREFIRST BLUECHOICE, INC. | 101 | $855K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 155 | $29K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 101 | $855K |
| Other | HARTFORD LIFE AND ACCIDENT | 155 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
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.