| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOUR PEOPLE INC3 Filed as: YOUR PEOPLE INC DBA ZENEFITS FTW IN | 303 2ND STREET SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | CAREFIRST BLUECHOICE | $72K | $4K | $76K | 5.25% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVENUE SUITE 400 TOWNSON, MD 21286 | CAREFIRST BLUECHOICE | — | $14K | $14K | 0.99% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INCORPORATED | 303 2ND STREET SUITE N 400 SAN FRANCISCO, CA 94107 | DELTA DENTAL OF PENNSYLVANIA | $3K | — | $3K | 3.14% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720-B ROCLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | DELTA DENTAL OF PENNSYLVANIA | $821 | — | $821 | 0.86% |
| YOURPEOPLE, INC.3 | 303 2ND STREET SUITE N400 SAN FRANCISCO, CA 94107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.77% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.23% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $284 | $284 | 0.79% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE, INC | 303 2ND STREET SUITE N400 SAN FRANCISCO, CA 94107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.68% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.31% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $284 | $284 | 0.83% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| YOURPEOPLE, INC.3 | 303 2ND STREET SUITE N400 SAN FRANCISCO, CA 94107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.59% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $958 | — | $958 | 4.40% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $195 | $195 | 0.90% |
| TMG INSURANCE SERVICES INC3 | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| YOURPEOPLE, INC.3 | 303 2ND STREET SUITE N400 SAN FRANCISCO, CA 94107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $894 | — | $894 | 11.24% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $299 | — | $299 | 3.76% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $154 | $154 | 1.94% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 155 | $1.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 162 | $95K |
| Vision | CAREFIRST BLUECHOICE | 155 | $1.4M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $22K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $36K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 130 | $34K |
| Prescription drug | CAREFIRST BLUECHOICE | 155 | $1.4M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.