| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | UNITED HEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 2.73% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMONT AVE. STE 400 TOWSON, MD 21286 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 702 KING FARM BLVD. STE 210 ROCKVILLE, MD 20850 | UNITED HEALTHCARE INSURANCE COMPANY | $60 | — | $60 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| BENEFITMALL5 Filed as: BENEFITMALL, INC. | 501 FAIRMONT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $765 | — | $765 | 7.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 15800 CRABBS BRANCH WAY STE 350 ROCKVILLE, MD 20855 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $695 | — | $695 | 7.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC. HQ | 18100 VON KARMAN AVE. 10TH FL IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14 | $14 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD. 11TH FL ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3 | $3 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 15800 CRABBS BRANCH WAY STE 350 ROCKVILLE, MD 20855 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 5.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 W GOLF RD. 11 FL ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | — | $11 | $11 | 0.27% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 231 | $1.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 231 | $1.5M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 231 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $112K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $108K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $108K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.