| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD, SUITE 400 HUNT VALLEY, MD 21031 | ANTHEM HEALTH PLANS OF VIRGINIA | $35K | $4K | $39K | 4.32% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $16K | $33K | 17.53% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 1500 WHETSTONE WAY, SUITE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.34% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | UNITED CONCORDIA INSURANCE COMPANY | $12K | $0 | $12K | 9.08% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 10.09% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.77% |
| EMPLOYEE BENEFIT SERVICES3 | UNKNOWN CHESAPEAKE, VA 23320 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $649 | $0 | $649 | 2.18% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | ACCOUNTING DEPARTMENT BALTIMORE, MD 21286 | AETNA LIFE INSURANCE COMPANY | $671 | $0 | $671 | 11.27% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 NORTH PARK DRIVE, SUITE 500 COCKEYSVILLE, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $514 | $0 | $514 | 14.99% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA | 142 | $934K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 372 | $141K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 363 | $46K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $190K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $190K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA | 142 | $899K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 233 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.