| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS | 921 E. FORT AVE STE 325 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $691 | $17 | $708 | 2.43% |
| MATHER BENEFIT ADMINISTRATORS, LLC5 Filed as: MATHER BENEFIT ADMINISTRATORS | 10540 YORK RD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $98 | $98 | 0.34% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 921 E. FORT AVE STE 325 STE 325 BALTIMORE, MD 21230 | EYE MED | $191 | — | $191 | 0.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 NONE | Plan Administrator; Other services; Claims processing Service code 12 | — | $224K |
| EMPLOYEE ONE BENEFIT SOLUTIONS EIN 20-8205286 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $94K |
| CIGNA PPO EIN 59-1031071 NONE | Other services; Claims processing Service code 12 | — | $36K |
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 | 336 | 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) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYE MED | 278 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $29K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $29K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $29K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.