| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BLVD. STE 210 ROCKVILLE, MD 20850 | UNITED HEALTHCARE INSURANCE COMPANY | $38K | — | $38K | 3.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMONT AVE. STE 400 TOWSON, MD 21286 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DR. STE 610 BETHESDA, MD 20817 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BLVD. STE 210 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 9.59% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DR. STE 610 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD. 11 FL ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.45% |
| BENEFITMALL5 Filed as: BENEFITMALL, INC. | 501 FAIRMONT AVE. STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| MATHER BENEFIT ADMINISTRATORS, LLC3 | 10540 YORK RD. COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $5K | $10K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $876 | $876 | 1.30% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER RD. STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $151 | $151 | 0.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BLVD. STE 210 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVE E STE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 15800 CRABBS BRANCH WAY STE 350 ROCKVILLE, MD 20855 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD. 11TH FL ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $55 | $55 | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 15800 CRABBS BRANCH WAY STE 350 ROCKVILLE, MD 20855 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 32.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD. 11 FL ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $159 | $159 | 3.70% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 207 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $68K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 207 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $94K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $89K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $89K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.