| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SERV OF MD, INC.3 Filed as: EMPLOYEE BENEFITS SERVICES OF MD | 575 S CHARLES STREET-SUITE 300 BALTIMORE, MD 21201 | CAREFIRST BLUECHOICE, INC. | $38K | $9K | $47K | 5.50% |
| GBS BENEFITS INC5 Filed as: GBS | 6 NORTH PARK DRIVE, S310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | — | $10K | $10K | 1.13% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES STREET-STE 300 BALTIMORE, MD 21201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | $3K | $4K | $8K | 10.80% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC. | 131 TREMONT STREET-3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | $723 | — | $723 | 1.04% |
| FINANCIAL BALANCE GROUP LLC3 | 1901 RESEARCH BLVD-STE 400 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | $35 | — | $35 | 0.05% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 S CHARLES ST-SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 18.32% |
| DAILY FEATS INC5 Filed as: DAILY FEATS, INC. | 22 PEARL STREET-FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $600 | $600 | 2.70% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 S CHARLES ST-SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.95% |
| DAILY FEATS INC5 Filed as: DAILY FEATS INC. | 22 PEARL STREET-FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $586 | $586 | 2.71% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 S CHARLES ST-SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $921 | $2K | 26.07% |
| DAILY FEATS INC5 Filed as: DAILY FEATS INC. | 22 PEARL STREET- FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $228 | $228 | 2.74% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 S CHARLES ST-SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $357 | $169 | $526 | 14.73% |
| DAILY FEATS INC5 Filed as: DAILY FEATS INC. | 22 PEARL ST-FL 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $96 | $96 | 2.69% |
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 | 124 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 173 | $848K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 97 | $70K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 97 | $70K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $22K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 173 | $848K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.