| 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. | — | $97K | $97K | 1.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC INC | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE, INC. | — | $92K | $92K | 1.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BOULEVARD #340 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $6K | $29K | 4.25% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES INC | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 3.98% |
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 | 871 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 89 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 637 | $8.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,181 | $529K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 905 | $681K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 905 | $681K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 905 | $681K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 905 | $681K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 637 | $8.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 905 | $681K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,181 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.