| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVENUE BALTIMORE, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | $0 | $43K | 1.60% |
| EMPLOYEE BENEFIT SVCS OF MARYLAND3 | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $946 | $15K | 0.57% |
| EMPLOYEE BENEFIT SVCS OF MARYLAND3 | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $7K | $14K | 13.05% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNE | 1500 WHETSTONE WAY, SUITE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.69% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | GUARDIAN | $2K | $287 | $2K | 23.27% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $152 | $0 | $152 | 1.73% |
| FINANCIAL BALANCE GROUP LLC3 | UNKNOWN ARLINGTON, VA 22201 | GUARDIAN | $18 | $0 | $18 | 0.21% |
| EMPLOYEE BENEFIT SVCS OF MARYLAND3 | UNKNOWN ARLINGTON, VA 22201 | LEGAL RESOURCES | $490 | $0 | $490 | 6.75% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $2.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $2.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $2.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $109K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $109K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $109K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 303 | $2.7M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.