| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RCM AND D3 Filed as: RCM&D INC. | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $42K | $58K | 12.40% |
| RCM AND D3 Filed as: RCM&D INC. | 1500 WHETSTONE WAY, SUITE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.14% |
| RCM AND D3 Filed as: RCM&D INC. | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.81% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SVCS. OF MD., INC. | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | METROPOLITAN LIFE INSURANCE COMPANY | $765 | $0 | $765 | 0.52% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $301 | $0 | $301 | 9.99% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 227 | $146K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 227 | $146K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $469K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $469K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $469K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $472K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.