| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | CAREFIRST BLUECHOICE, INC. | $0 | $136K | $136K | 5.78% |
| AMWINS5 Filed as: AMWINS CONNECT | 6 NORTH PARK, SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | $0 | $28K | $28K | 1.18% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $12K | $28K | 15.24% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | DELTA DENTAL OF PENNSYLVANIA | $7K | $0 | $7K | 5.00% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $7K | $15K | 22.16% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC. | 131 TREMONT STREET, 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.73% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC4 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, DC 21201 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $2K | $0 | $2K | 18.51% |
| PSA INSURANCE & FINANCIAL PARTNERS4 Filed as: PSA INSURANCE AND FINANCIAL PARTNER | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $172 | $0 | $172 | 1.33% |
| PHYLLIS ADAMS4 | 210 NORTH TYRONE ROAD BALTIMORE, MD 21212 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $137 | $0 | $137 | 1.06% |
| LOCKTON COMPANIES, LLC4 | 1801 K STREET NW WASHINGTON, DC 20006 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $71 | $0 | $71 | 0.55% |
| MARY THERESA FISHER4 | 898 UNION CHURCH ROAD TOWSEND, DE 19734 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $36 | $0 | $36 | 0.28% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 461 | $2.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 469 | $138K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $68K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $186K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $186K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $186K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 461 | $2.4M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.