| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC./CAREFIRST | $155 | $46K | $46K | 3.94% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY 15TH FL NEW YORK, NY 10007 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC./CAREFIRST | $7 | $19K | $19K | 1.62% |
| AP BENEFIT ADVISORS, LLC5 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC./CAREFIRST | $0 | $3K | $3K | 0.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL | $2K | — | $2K | 4.29% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $314 | $3K | 10.38% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY FL 15 NEW YORK, NY 10007 | METROPOLITAN LIFE INSURANCE COMPANY | $917 | $487 | $1K | 4.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $639 | $117 | $756 | 19.51% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY FL 15 NEW YORK, NY 10007 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42 | $3 | $45 | 1.16% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC./CAREFIRST | 129 | $1.2M |
| Dental | DELTA DENTAL | 131 | $52K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 132 | $33K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $4K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 132 | $33K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC./CAREFIRST | 129 | $1.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.