| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CIMA COMPANIES INC3 | 2750 KILLARNEY DRIVE SUIE 202 WOODBRIDGE, VA 22192 | GHMSI/CAREFIRST BLUE CHOICE | — | $69K | $69K | 5.41% |
| MATHER & STROHL ADMIN SVCS INC5 Filed as: MATHER STROHL | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | GHMSI/CAREFIRST BLUE CHOICE | — | $13K | $13K | 1.05% |
| THE CIMA COMPANIES INC3 | 2750 KILLARNEY DRIVE SUITE 202 WOODBRIDGE, VA 22192 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 7.67% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| THE CIMA COMPANIES INC3 | 2750 KILLARNEY DRIVE SUITE 202 WOODBRIDGE, VA 22192 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 5.45% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTER DRIVE SUITE 400S DALLAS, TX 75251 | UNITED CONCORDIA INSURANCE COMPANY | — | $2K | $2K | 2.18% |
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 | 316 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI/CAREFIRST BLUE CHOICE | 205 | $1.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 228 | $73K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $136K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $136K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $136K |
| Prescription drug | GHMSI/CAREFIRST BLUE CHOICE | 205 | $1.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.