| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 225 SCHILLING CIRCLE SUITE 150 HUNT VALLEY, MD 21031 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $25K | $25K | 1.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND HUNT VALLEY | 12505 PARK POTOMAC DRIVE SUITE 300 POTOMAC, MD 20854 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $23K | $23K | 1.50% |
| BENEFIT DESIGN GROUP INC5 | 600 WASHINGTON AVE SUITE 104 TOWSON, MD 21204 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $15K | $15K | 0.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | WILLIS TOWERS WATSON SOUTHEAST, INC PO BOX 13784 NEWARK, NJ 07188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 4.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | 12505 PARK POTOMAC AVE STE 300 POTOMAC, MD 20854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.62% |
| BENEFIT DESIGN GROUP INC5 | 600 WASHINGTON AVE STE 104 TOWSON, MD 21204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 10.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $28 | $3K | 2.34% |
| BENEFIT DESIGN GROUP INC5 | 600 WASHINGTON AVE STE 104 TOWSON, MD 21204 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $1K | $3K | 2.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSE INC | 26 CENTURY BLVD C/O J P MORGAN CHASE NASHVILLE, TN 37214 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.02% |
| 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 | 9.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 225 SCHILLING CIR STE 150 HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 7.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | HEARST TOWER 214 N TRYON ST STE 2500 CHARLOTTE, NC 28202 | AMERITAS LIFE INSURANCE CORP. | — | $505 | $505 | 2.66% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 188 | $1.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 396 | $257K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 268 | $19K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $229K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $187K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $229K |
| Other(6 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.