| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $25K | $28K | 4.28% |
| BRANCH BENEFITS CONSULTANTS3 Filed as: BRANCH BENEFITS CONSULTANTS DBA BRA | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| BRANCH BENEFITS CONSULTANTS3 | 4584 NORTH RANCHO DRIVE LAS VEGAS, NV 89130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 13.55% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 12.73% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC. | 29 WEST SUSQUEHANNA AVENUE SUITE 400 TOWSON, MD 21204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $189 | — | $189 | 0.71% |
| DREW SKIBITSKY3 | 11285 DOVEDALE COURT MARRIOTTSVILLE, MD 21104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | — | $110 | 0.41% |
| CAROLIN BERMUDEZ3 | 703 ETHAN ALLEN AVENUE 302 TAKOMA PARK, MD 20912 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $655K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $655K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 162 | $61K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 162 | $61K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 162 | $61K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 162 | $61K |
| Other(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 162 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.
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.