| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIFETIME BENEFITS LLC3 | 843-E QUINCE ORCHARD BOULEVARD GAITHERSBURG, MD 20878 | GHMSI | $99K | $8K | $106K | 5.39% |
| LIFETIME BENEFITS LLC3 Filed as: LIFETIME BENEFITS, LLC | 843 QUINCE ORCHARD BOULEVARD SUITE E GAITHERSBURG, MD 20878 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 5.14% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.00% |
| FINANCIAL BALANCE GROUP LLC3 | 1901 RESEARCH BOULEVARD SUITE 400 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.01% |
| LIFETIME BENEFITS LLC3 | 843 E QUINCE ORCHARD BOULEVARD GAITHERSBURG, MD 20878 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.94% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 5.00% |
| LIFETIME BENEFITS LLC3 | 843 QUINCE ORCHARD BOULEVARD SUITE E GAITHERSBURG, MD 20878 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | UNION SECURITY INSURANCE COMPANY | — | $648 | $648 | 5.00% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 262 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $196K |
| Vision | GHMSI | 262 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $119K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $106K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $106K |
| Prescription drug | GHMSI | 262 | $2.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.