| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILSBAR, L.L.C.3 Filed as: GILSBAR GROUP BENEFITS, L.L.C. | 2100 COVINGTON CENTRE STE A COVINGTON, LA 704332981 | AMERITAS LIFE INSURANCE CORP. | $10K | — | $10K | 9.18% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | AMERITAS LIFE INSURANCE CORP. | $869 | — | $869 | 0.83% |
| PERSONIFY HEALTH SOLUTIONS, LLC3 Filed as: PERSONIFY HEALTH SOLUTIONS, LLC. | 2100 COVINGTON CTR COVINGTON, LA 70433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 17.84% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $541 | $2K | 3.05% |
| PERSONIFY HEALTH SOLUTIONS, LLC3 Filed as: PERSONIFY HEALTH SOLUTIONS, LLC. | 2100 COVINGTON CTR COVINGTON, LA 70433 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 17.85% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $444 | $2K | 3.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC EIN 36-3086057 NONE | Contract Administrator Service code 13 | — | $49K |
| GILSBAR GROUP BENEFITS LLC EIN 85-3411140 NONE | Claims processing Service code 12 | — | $36K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Insurance services Service code 23 | — | $16K |
| VERACITY BENEFITS, LLC NONE | Consulting fees Service code 70 | 1701 BARRETT LAKES BLVD SUITE 200 KENNESAW, GA 30144 | $12K |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 102 | $105K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 102 | $105K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $60K |
| Other(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 114 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.