| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD EXECUTIVE PLAZA III, SUITE 1203 HUNT VALLEY, MD 21031 | GHMSI | $16K | $15K | $30K | 3.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | 12505 PARK POTOMAC AVENUE POTOMAC, MD 20854 | GHMSI | $15K | — | $15K | 1.73% |
| BENEFIT DESIGN GROUP INC5 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVE, SUITE 104 TOWSON, MD 21204 | GHMSI | — | $11K | $11K | 1.26% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC. INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | GHMSI | — | $2K | $2K | 0.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES LLC | 11350 MCCORMICK RD HUNT VALLEY, MD 21031 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $27 | $15K | 6.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 PARK POTOMAC AVENUE BUILDING E, SUITE 300 POTOMAC, MD 20854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 10.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $4K | — | $4K | 7.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES LLC | 335 CLUBHOUSE RD HUNT VALLEY, MD 21031 | METROPOLITAN LIFE INSURANCE COMPANY | — | $51 | $51 | 0.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC. | 225 SCHILLING CIR., STE 150 HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORP. | $546 | — | $546 | 6.11% |
| USI INSURANCE SERVICES LLC3 | 335 CLUBHOUSE RD HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORP. | $280 | — | $280 | 3.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | 214 N. TYRON ST CHARLOTTE, NC 28282 | AMERITAS LIFE INSURANCE CORP. | — | $108 | $108 | 1.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 9811 KATY FWY, STE 500 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORP. | — | $59 | $59 | 0.66% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GHMSI | 206 | $1.1M |
| Dental(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $457K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 187 | $9K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $320K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $270K |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $320K |
| Prescription drug | GHMSI | 206 | $874K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $507K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.