| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $0 | $31K | 1.13% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $0 | $25K | 0.91% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 11.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.00% |
| RCM AND D3 Filed as: RCM&D INC | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.65% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $762 | $46 | $808 | 11.00% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DO | 575 SOUTH CHARKES STREET, SUITE 300 BALTIMORE, MD 21201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $708 | $0 | $708 | 9.64% |
| UNKNOWN3 | UNKNOWN WASHINGTON, DC 20006 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $410 | $410 | 5.58% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $177 | $0 | $177 | 2.41% |
| FINANCIAL BALANCE GROUP LLC3 | UNKNOWN WASHINGTON, DC 20006 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.10% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | LEGAL RESOURCES | $155 | $0 | $155 | 4.67% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $2.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $2.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $2.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $97K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $97K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $97K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $2.7M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 187 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.