| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $38K | $0 | $38K | 2.02% |
| AMERICAN INSURANCE ADMIN., INC.3 Filed as: AMERICAN INSURANCE ADMIN. | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $13K | $0 | $13K | 0.69% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $15K | $44K | 20.48% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN ADMINISTRATORS, LLC | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 6.74% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | THE GUARDIAN LIFE INSURANCE COMPANY | $17K | $5K | $22K | 10.80% |
| AIA AMERICAN INS ADMINISTRATORS LLC3 Filed as: AIA AMERICAN ADMINISTRATORS, LLC | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | THE GUARDIAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.10% |
| DAILYFEATS INC.3 | 131 TREMONT STREET, 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.88% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | THE GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.87% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 275 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 247 | $205K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 247 | $205K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $418K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $213K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $213K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 275 | $1.9M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $418K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.