| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES INC | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE, INC. | $109K | $45K | $154K | 3.52% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER & STROHL | 501 FAIRMONT AVENUE SUITE 400 TOWSON, MD 21284 | CAREFIRST BLUECHOICE, INC. | — | $17K | $17K | 0.39% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOCIATES FINANCIAL SERVIC | 1445 RESEARCH BOULEVARD #340 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $11K | $32K | 7.73% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES INC | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $7K | $27K | 6.62% |
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 | 636 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 482 | $4.4M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 906 | $827K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 661 | $417K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 661 | $417K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 661 | $417K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 661 | $417K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 482 | $4.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 661 | $417K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 906 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.