| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOUR PEOPLE INC3 | 302 2ND ST SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94017 | GHMSI CAREFIRST BLUECHOICE | $42K | $21K | $63K | 4.44% |
| WFG BENEFITS INC3 | 1410 SPRING HILL ROAD SUITE 425 MCLEAN, VA 22102 | GHMSI CAREFIRST BLUECHOICE | $15K | $64 | $15K | 1.05% |
| MATHER & STROHL ADMIN SVCS INC5 Filed as: MATHER& STROHL | 501 FAIRMONT AVE SUITE 400 TOWSON, MD 21284 | GHMSI CAREFIRST BLUECHOICE | — | $11K | $11K | 0.78% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST SUITE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.55% |
| WFG BENEFITS INC3 Filed as: WFG BENEFITS | 1410 SPRING HILL ROAD, SUITE 425 MCLEAN, VA 22102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.11% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $348 | $348 | 0.83% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST SUITE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 13.27% |
| WFG BENEFITS INC3 | 1410 SPRING HILL ROAD, SUITE 425 MCLEAN, VA 22102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $559 | — | $559 | 2.45% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $168 | $168 | 0.74% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST SUITE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $685 | $2K | 17.47% |
| WFG BENEFITS INC3 Filed as: WFG BENEFITS INC. | 1410 SPRING HILL ROAD, SUITE 425 MCLEAN, VA 22102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $406 | — | $406 | 3.60% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $81 | $81 | 0.72% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST SUITE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $561 | $350 | $911 | 12.90% |
| WFG BENEFITS INC3 Filed as: WFG BENEFITS INC. | 1410 SPRING HILL ROAD, SUITE 425 MCLEAN, VA 22102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $145 | — | $145 | 2.05% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $44 | $44 | 0.62% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI CAREFIRST BLUECHOICE | 157 | $1.4M |
| Dental | GHMSI CAREFIRST BLUECHOICE | 157 | $1.4M |
| Vision | GHMSI CAREFIRST BLUECHOICE | 157 | $1.4M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $18K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $42K |
| Prescription drug | GHMSI CAREFIRST BLUECHOICE | 157 | $1.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.