| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEINBERG LLC3 | 321 RESERVE GATE TERRACE SILVER SPRING, MD 20905 | GHMSI | $118K | $5K | $123K | 5.20% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | GHMSI | $0 | $57 | $57 | 0.00% |
| WEINBERG LLC | 321 RESERVE GATE TERRACE SILVER SPRING, MD 20905 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.44% |
| EMERSON REID LLC | 167 ARCHER RD FACTORVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.12% |
| JON NISTAD3 | 2101 MARLTON PIKE E CHERRY HILL, NJ 080031241 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 11.78% |
| JON NISTAD | 2101 MARLTON PIKE E CHERRY HILL, NJ 080031241 | VISION SERVICE PLAN | $879 | — | $879 | 6.87% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 11.76% |
| WEINBERG LLC | 321 RESERVE GATE TERRACE SILVER SPRING, MD 20905 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $604 | — | $604 | 5.88% |
| WEB TPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $279 | — | $279 | 2.72% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $434 | — | $434 | 7.13% |
| WEINBERG LLC | 321 RESERVE GATE TERRACE SILVER SPRING, MD 20905 | ENVISION INSURANCE COMPANY | $202 | — | $202 | 3.32% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GHMSI | 143 | $2.4M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $187K |
| Vision(2 contracts, 2 carriers) | GHMSI | 149 | $2.4M |
| Prescription drug(2 contracts, 2 carriers) | GHMSI | 143 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.