| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CIMA COMPANIES INC3 Filed as: CIMA COMPANIES INC | 2750 KILLARNEY DRIVE SUITE 202 WOODBRIDGE, VA 22192 | GHMSI/CAREFIRST BLUE CHOICE | — | $45K | $45K | 3.39% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER AND STROHL ADMIN | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | GHMSI/CAREFIRST BLUE CHOICE | — | $11K | $11K | 0.81% |
| THE CIMA COMPANIES INC3 | 2750 KILLARNEY DRIVE SUITE 202 WOODBRIDGE, VA 22192 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | — | $3K | 2.51% |
| THE CIMA COMPANIES INC3 | 2750 KILLARNEY DRIVE SUITE 202 WOODBRIDGE, VA 22192 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 2.89% |
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 | 353 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI/CAREFIRST BLUE CHOICE | 218 | $1.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 266 | $79K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO | 353 | $134K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 353 | $134K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 353 | $134K |
| Prescription drug | GHMSI/CAREFIRST BLUE CHOICE | 218 | $1.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE CO | 353 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.