| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 575 S CHARLES ST - STE 300 BALTIMORE, MD 21201 | GUARDIAN | $3K | $3K | $6K | 9.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL & FNANC S | 12404 PARK CENTRAL DR - #400S DALLAS, TX 75251 | GUARDIAN | $2K | — | $2K | 3.00% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES ST - #300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $6K | 17.40% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 N PARK DR-STE 500 HUNT VALLEY, MD 21050 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.18% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 1500 WHETSTONE WAY, STE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.73% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE - #400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.22% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES ST - #300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 16.82% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 N PARK DR-STE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.19% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 1500 WHETSTONE WAY-STE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.71% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE-#400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $996 | $996 | 3.31% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES ST - #300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 18.23% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 N PARK DRIVE-STE 500 HUNT VALLEY, MD 21050 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.02% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 1500 WHETSTONE WAY-STE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $819 | — | $819 | 3.63% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE - #400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $737 | $737 | 3.27% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES ST - #300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 16.42% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COIUNSELMAN MICHAELS & DOWNES | 4 N PARK SR - STE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $768 | — | $768 | 5.18% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COIUNSELMAN MICHAELS & DOWNES | 1500 WHETSTONE WAY-STE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $551 | — | $551 | 3.72% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE - #400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $481 | $481 | 3.24% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVE TOWSON, MD 21286 | FIRST STOP HEALTH | $1K | — | $1K | 9.11% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | EYEMED VISION CARE | $375 | — | $375 | 4.11% |
| EMPLOYEE BENEFIT SERV OF MD, INC.3 Filed as: EMPLOYEE BENEFTI SERVICES OF MD | 575 S CHARLES ST - #300 BALTIMORE, MD 21201 | EYEMED VISION CARE | $88 | — | $88 | 0.96% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 106 | $56K |
| Vision | EYEMED VISION CARE | 102 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $53K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 44 | $37K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.