| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOC FINANCIAL SERVICES IN | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNITEDHEALTHCAE INSURANCE COMPANY | $7K | — | $7K | 3.60% |
| STEVEN L CRAWFORD3 Filed as: STEVEN K HEGER | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | ALL SAVERS INSURANCE COMPANY | $73K | — | $73K | 114.35% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 12.25% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.18% |
| ENROLLMENT ALLIANCE LLC3 | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.71% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.53% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.85% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $676 | $3K | 13.61% |
| ENROLLMENT ALLIANCE LLC3 | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $891 | $891 | 4.76% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $557 | $2K | 14.21% |
| ENROLLMENT ALLIANCE LLC3 | 1724 EAST 5TH AVENUE TAMPA, FL 33605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $624 | $624 | 4.72% |
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 | 547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 55 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCAE INSURANCE COMPANY | 261 | $187K |
| Vision | UNITEDHEALTHCAE INSURANCE COMPANY | 261 | $187K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 516 | $57K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 516 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 516 | $42K |
| Stop-loss / reinsurancereinsurance | ALL SAVERS INSURANCE COMPANY | 343 | $63K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 516 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.