| 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 | $46K | $8K | $54K | 3.80% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER AND STROHL ADMIN SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | GHMSI CAREFIRST BLUE CHOICE | $0 | $10K | $10K | 0.70% |
| THE CIMA COMPANIES INC3 Filed as: THE CIMA COMPANIES | 2750 KILLARNEY DRIVE SUITE 202 WOODBRIDGE, VA 22192 | UNITED OF OMAHA LIFE INSURANCE | $10K | $1K | $12K | 9.06% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE | $0 | $6K | $6K | 5.00% |
| THE CIMA COMPANIES INC3 | 2750 KILLARNEY DRIVE SUITE 202 WOODBRIDGE, VA 22192 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.65% |
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 | 274 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI CAREFIRST BLUE CHOICE | 175 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $75K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE | 274 | $128K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE | 274 | $128K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE | 274 | $128K |
| Prescription drug | GHMSI CAREFIRST BLUE CHOICE | 175 | $1.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE | 274 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.