| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOUR PEOPLE INC3 | 303 2ND ST SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94017 | GHMSI CAREFIRST BLUECHOICE | $48K | $77 | $48K | 2.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GHMSI CAREFIRST BLUECHOICE | $16K | — | $16K | 1.02% |
| MATHER & STROHL ADMIN SVCS INC5 Filed as: MATHER & STROHL | 501 FAIRMOUNT AVENUE TOWSON, MD 21286 | GHMSI CAREFIRST BLUECHOICE | — | $14K | $14K | 0.86% |
| YOUR PEOPLE INC5 | 250 BRANNAN STREET 3RD FLOOT SAN FRANCISCO, CA 94107 | GHMSI CAREFIRST BLUECHOICE | — | $2K | $2K | 0.12% |
| INSUREYOURPEOPLE, LLC3 | 40 E RIO SALADO PKWY STE 900 TEMPE, AZ 85281 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 4.67% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST SUITE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.29% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.19% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST SUITE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $537 | — | $537 | 6.30% |
| INSUREYOURPEOPLE, LLC3 | 40 E RIO SALADO PKWY STE 900 TEMPE, AZ 85281 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $328 | $119 | $447 | 5.25% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $413 | — | $413 | 4.85% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST SUITE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $616 | — | $616 | 7.65% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $378 | — | $378 | 4.70% |
| INSUREYOURPEOPLE, LLC3 | 40 E RIO SALADO PKWY STE 900 TEMPE, AZ 85281 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $214 | — | $214 | 2.66% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST SUITE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $375 | — | $375 | 4.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $246 | — | $246 | 3.27% |
| INSUREYOURPEOPLE, LLC3 Filed as: INSUREYOURPEOPLE,LLC | 4 E RIO SALADO PKWY STE 900 TEMPE, AZ 85281 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $132 | — | $132 | 1.75% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI CAREFIRST BLUECHOICE | 188 | $1.6M |
| Dental | GHMSI CAREFIRST BLUECHOICE | 188 | $1.6M |
| Vision | GHMSI CAREFIRST BLUECHOICE | 188 | $1.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $16K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 42 | $9K |
| Prescription drug | GHMSI CAREFIRST BLUECHOICE | 188 | $1.6M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.