| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $83K | $83K | 4.52% |
| AP BENEFIT ADVISORS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR STE 200 BALTIMORE, MD 21230 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $17K | $2K | $19K | 4.17% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 921 E. FORT AVE STE 325 BALTIMORE, MD 21230 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 8.97% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 4.47% |
| AP BENEFIT ADVISORS, LLC3 | 145 W. OSTEND ST. SUITE 200 BALTIMORE, MD 21230 | VISION SERVICE PLAN | $5K | — | $5K | 14.38% |
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 | 393 | 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) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 543 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 543 | $1.8M |
| Vision | VISION SERVICE PLAN | 301 | $37K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $112K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $112K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 543 | $2.4M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.