| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES, I | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $112K | $126K | 2.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | — | $59K | 1.34% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $649 | $7K | 8.61% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.50% |
| MOIS DEFAULT/UNASSGN3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $191 | $191 | 0.25% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $531 | $8K | 12.75% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.53% |
| MOIS DEFAULT/UNASSGN3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $156 | $156 | 0.25% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $506 | $5K | 9.18% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.50% |
| MOIS DEFAULT/UNASSGN3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $149 | $149 | 0.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERVI | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | VISION SERVICE PLAN | $2K | — | $2K | 4.57% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES IN | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | VISION SERVICE PLAN | $2K | — | $2K | 3.53% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $288 | $4K | 10.85% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $851 | $851 | 2.52% |
| MOIS DEFAULT/UNASSGN3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $83 | $83 | 0.25% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $129 | $3K | 14.90% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $423 | $423 | 2.48% |
| MOIS DEFAULT/UNASSGN3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $46 | $46 | 0.27% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $105 | $2K | 14.43% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $351 | $351 | 2.51% |
| MOIS DEFAULT/UNASSGN3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $38 | $38 | 0.27% |
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 | 341 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 689 | $4.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 689 | $4.4M |
| Vision | VISION SERVICE PLAN | 339 | $50K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $97K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $60K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $77K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.