| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOUR PEOPLE INC3 Filed as: YOUR PEOPLE INC. | 303 2ND ST SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | $42K | — | $42K | 4.31% |
| PROFESSIONAL BENEFIT SOLUTIONS LLC5 Filed as: PROFESSIONAL BENEFIT SOLUTIONS | 14504 GREENVIEW DR, SUITE 506 LAUREL, MD 20708 | GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | $7K | $8K | $15K | 1.54% |
| MATHER & STROHL ADMIN SVCS INC5 Filed as: MATHER & STROHL | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | — | $7K | $7K | 0.73% |
| POTOMAC BASIN GROUP5 | 1410 SPRING HILL ROAD SUITE 300 COLUMBIA, MD 21046 | GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | — | $637 | $637 | 0.07% |
| EBCA5 | 1410 SPRING HILL ROAD SUITE 300 COLUMBIA, MD 21046 | GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | — | $490 | $490 | 0.05% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE | 303 2ND STREET SUITE 401 SAN FRANCISCO, CA 94107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 8.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 8945 GUILFORD RD SUITE 145 COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $208 | $2K | 1.26% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC. | 24402 DEPT LN PASADENA, CA 91185 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $4K | $10K | 10.65% |
| PROFESSIONAL BENEFITS SOLUTIONS INC3 | 8945 GUILFORD RD STE 145 COLUMBIA, MD 21046 | METROPOLITAN LIFE INSURANCE COMPANY | $922 | $18 | $940 | 1.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $531 | — | $531 | 0.57% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC. | 303 2ND STREET SUITE 401 SAN FRANCISCO, CA 94107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $199 | $2K | 14.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 8945 GUILFORD RD STE 145 COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $267 | $22 | $289 | 2.43% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION AND MEDICAL SERVICES, INC. | 101 | $977K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 136 | $94K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 136 | $94K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $132K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $120K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $120K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
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.