| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVERY HALL BENEFIT SOLUTIONS INC3 | 312 E MAIN ST SALISBURY, MD 21801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 8.28% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | DBA SALT MARGIN 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $6K | 5.10% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $3K | $4K | 3.21% |
| AVERY HALL BENEFIT SOLUTIONS INC3 | 312 E MAIN ST SALISBURY, MD 21801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 13.80% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | DBA SALT MARGIN 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 6.77% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $963 | $2K | $3K | 4.40% |
| AVERY HALL BENEFIT SOLUTIONS INC3 | PO BOX 2317 SALISBURY, MD 21802 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.71% |
| AVERY HALL BENEFIT SOLUTIONS INC3 | 312 E MAIN STREET SALISBURY, MD 21801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.28% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | DBA SALT MARGIN 20 S KING ST LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 5.12% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $392 | $1K | $2K | 3.68% |
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 | 531 | 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) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 708 | $50K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 726 | $176K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $44K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 726 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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.