| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC Filed as: M3 INSURANCE SOLUTIONS, INC. | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | GHMSI/CAREFIRST BLUECHOICE | $81K | — | $81K | 4.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE RALEIGH, NC 27216 | GHMSI/CAREFIRST BLUECHOICE | $16K | $43 | $16K | 0.81% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVE. SUITE 400 TOWSON, MD 21284 | GHMSI/CAREFIRST BLUECHOICE | — | $8K | $8K | 0.41% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | GHMSI/CAREFIRST BLUECHOICE | — | $2K | $2K | 0.08% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53713 | STANDARD INSURANCE COMPANY | $34K | — | $34K | 17.67% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHAROLETTE, NC 28289 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.06% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $429 | — | $429 | 0.22% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 828 JOHN NOLEN DRIVE MADISON, WI 537088950 | AMERITAS LIFE INSURANCE CORP | $6K | — | $6K | 3.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP | $0 | $2K | $2K | 1.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3975 FAIR RIDGE DR STE 110 FAIRFAX, VA 220332911 | AMERITAS LIFE INSURANCE CORP | $650 | — | $650 | 0.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3975 FAIR RIDGE DRIVE STE 110 FAIRFAX, VA 220332924 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $512 | $26 | $538 | 1.38% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI/CAREFIRST BLUECHOICE | 88 | $1.9M |
| Dental | AMERITAS LIFE INSURANCE CORP | 244 | $170K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 134 | $206K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $39K |
| Prescription drug | GHMSI/CAREFIRST BLUECHOICE | 88 | $1.9M |
| Other | STANDARD INSURANCE COMPANY | 134 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.