| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW S RUHLAND3 | 2101 ROUTE 70 EAST CHERRY HILL, NJ 08003 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC | $0 | $67K | $67K | 2.85% |
| VINTON INSURANCE SERVICES3 Filed as: VINTON INSURANCE SERVICES INC | 21 WEST ROAD SUITE 105 TOWSON, MD 21204 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC | $0 | $59K | $59K | 2.52% |
| EMPLOYEE BENEFITS CORP OF AMERICA5 Filed as: EMPLOYEE BENEFITS CORPORATION OF AM | 1430 SPRING HILL ROAD MCLEAN, VA 22102 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC | $0 | $6K | $6K | 0.27% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.17% |
| NATIONALHR RBN ASSOCIATES LLC | 2101 MARLTON PIKE E CHERRY HILL, NJ 08003 | VISION SERVICE PLAN | $1K | — | $1K | 3.42% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 11.77% |
| WEINBERG LLC3 Filed as: WEINBERG, LLC | 321 RESERVE GATE TERRACE SILVER SPRING, MD 20905 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $0 | $510 | $510 | 5.89% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $0 | $200 | $200 | 2.31% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $257 | — | $257 | 6.10% |
| WEINBERG LLC3 Filed as: WEINBERG, LLC | 321 RESERVE GATE TERRACE SILVER SPRING, MD 20905 | ENVISION INSURANCE COMPANY | $138 | — | $138 | 3.27% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC | 140 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $189K |
| Vision | VISION SERVICE PLAN | 143 | $41K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC | 140 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
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.