| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES STREET-SUITE 300 BALTIMORE, MD 21201 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $4K | $72K | $77K | 4.76% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISRATORS, INC. | 6 NORTH PARK DRIVE, S 310 HUNT VALLEY, MD 21030 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $21K | $21K | 1.31% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES STREET - SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 18.37% |
| AMWINS5 Filed as: AMWINS ADMINISTRATORS, INC. | 6 N PARK DRIVE-SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES STREET-STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 18.91% |
| AMWINS5 Filed as: AMWINS ADMINISTRATORS, INC. | 6 N PARK DRIVE-SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $394 | $394 | 3.00% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 253 | $1.6M |
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 253 | $1.6M |
| Vision | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 253 | $1.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $45K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 253 | $1.6M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.