| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES ST STE 300 BALTIMORE, MD 21201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.78% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.04% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC, | 131 TREMONT STREET, 3RD FLOOR BOSTON, MA 02111 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.92% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES ST STE 300 BALTIMORE, MD 21201 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.36% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $766 | — | $766 | 0.77% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIVERSITY HEALTH ALLIANCE | 10 | $55K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $100K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $155K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $131K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $131K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $131K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 10 | $55K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.