| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | CAREFIRST BLUECHOICE, INC. | $0 | $53K | $53K | 2.79% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORP. OF AMERICA | 1430 SPRING HILL ROAD, SUITE 320 MCLEAN, VA 22102 | CAREFIRST BLUECHOICE, INC. | $0 | $7K | $7K | 0.38% |
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, PA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $9K | $31K | 14.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.88% |
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $21 | $20K | 10.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $794 | $0 | $794 | 10.00% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 211 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 509 | $196K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 509 | $196K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $210K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $210K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $210K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 211 | $1.9M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.