| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 210612561 | HM LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| PROFESSIONAL BENEFITS SOLUTIONS INC3 | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | DOMINION NATIONAL | $8K | — | $8K | 6.98% |
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 21061 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $109K | $8K | $116K | — |
| EDUCATORS BENEFIT SERVICES3 Filed as: EDUCATORS BENEFIT SERVICES INC | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 210612561 | METROPOLITAN LIFE INSURANCE COMPANY | $86K | — | $86K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EDUCATORS BENEFIT SERVICES INC EIN 52-1642161 CONTRACT ADMINISTRATOR | Sales loads (front end and deferred); Consulting (general); Contract Administrator; Insurance brokerage commissions and fees; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 890 AIRPORT PARK ROAD SUITE 103 GLEN BURNIE, MD 21061 | $639K |
| UNITED BEHAVIORAL HEALTH DBA OPTUM EIN 94-2649097 SERVICE PROVIDER | Other services Service code 49 | 425 MARKET STREET 27TH FLOOR SAN FRANCISCO, CA 94105 | $34K |
| STOUT CAUSEY & HORNING PA EIN 52-1743645 AUDITOR | Accounting (including auditing) Service code 10 | 1311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | $28K |
| VENABLE LLP EIN 52-0517250 ATTORNEY | Legal Service code 29 | 750 E PRATT STREET SUITE 900 BALTIMORE, MD 21202 | $12K |
| ANDERSON DAVIS & ASSOCIATES CPA PA EIN 52-1861549 ACCOUNTANT | Recordkeeping fees; Accounting (including auditing) Service code 10 | 1406B CRAIN HIGHWAY SOUTH SUITE 204 GLEN BURNIE, MD 21061 | $10K |
| FEDERAL INSURANCE COMPANY EIN 13-1963496 INSURANCE SERVICES | Insurance services Service code 23 | 15 MOUNTAIN VIEW ROAD WARREN, NJ 07059 | $5K |
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 | 4,570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 5,613 | $26.9M |
| Dental(2 contracts, 2 carriers) | DOMINION NATIONAL | 4,231 | $121K |
| Vision | HM LIFE INSURANCE COMPANY | 1,948 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,613 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.