| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE SUITE 310 COCKEYSVILLE, MD 21030 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $30K | — | $30K | 4.32% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 N PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 13.00% |
| FINANCIAL BALANCE GROUP LLC3 | 1355 PICARD DR SUITE 380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $119 | — | $119 | 0.25% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 N PARK DR SUITE 310 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.86% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 N PARK DR SUITE 310 HUNT VALLEY, MD 21030 | UNITED CONCORDIA INSURANCE COMPANY | $675 | — | $675 | 4.22% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $1K | — | $1K | 15.00% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $790 | $283 | $1K | 23.10% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 108 | $697K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 122 | $51K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $42K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $39K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $48K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 69 | $48K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 108 | $697K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.