| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES ST SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 12.62% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INSURANCE & FINANCIAL SVCS | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $261 | — | $261 | 0.87% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LL | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $444 | $3K | 9.69% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES ST SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.17% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INSURANCE & FINANCIAL SVCS | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $246 | — | $246 | 0.86% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LL | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM INSURANCE COMPANY | $2K | $262 | $2K | 12.23% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LL | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $238 | $2K | 13.80% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LL | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM INSURANCE COMPANY | $1K | $167 | $1K | 13.99% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LL | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM INSURANCE COMPANY | $425 | $159 | $584 | 5.62% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $30K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 59 | $29K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.