| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $17 | $8K | 1.86% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | MUTUAL OF OMAHA INSURANCE COMPANY | $11K | $4K | $15K | 10.76% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 7.13% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 9.80% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 11.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS, LLC EIN 52-1187907 NONE | Claims processing; Other services; Contract Administrator Service code 12 | — | $2.0M |
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 | 727 | 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) | 727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,126 | $417K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 727 | $178K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 645 | $58K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 645 | $108K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 727 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,126 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.