| 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 | $105K | $36K | $141K | 3.37% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMONT AVENUE SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE | — | $22K | $22K | 0.53% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES INC | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $1K | $19K | 3.88% |
| 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 | $21K | $13K | $34K | 8.25% |
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 | 650 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 86 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 485 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 936 | $481K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 653 | $415K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 653 | $415K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 653 | $415K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 653 | $415K |
| Prescription drug | CAREFIRST BLUECHOICE | 485 | $4.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 653 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 936 | — |
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."
No prospect flags tripped on this filing.