| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOSTER THOMAS INC3 Filed as: FOSTER THOMAS INC. | 181 HARRY S. TRUMAN PKWY SUITE 110 ANNAPOLIS, MD 21401 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $62K | $64K | 2.98% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | UNITED HEALTHCARE INSURANCE COMPANY | $452 | — | $452 | 0.02% |
| FOSTER THOMAS INC3 Filed as: FOSTER THOMAS INC. | 181 HARRY S. TRUMAN PKWY SUITE 1100 ANNAPOLIS, MD 21401 | THE GUARDIAN LIFE INSURANCE COMPANY | $11K | $8K | $19K | 8.50% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY | $7K | — | $7K | 3.03% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY | $774 | — | $774 | 0.35% |
| FOSTER THOMAS INC3 Filed as: FOSTER THOMAS INC. | 181 HARRY S TRUMAN PKWY SUITE 110 ANNAPOLIS, MD 21401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $229 | — | $229 | 9.94% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD SUITE 390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.09% |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 247 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 302 | $221K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 302 | $221K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 302 | $221K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 302 | $223K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 302 | $221K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 302 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.