| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BECKER BENEFIT GROUP INC3 | 11000 OWINGS MILLS BLVD STE 6A OWINGS MILLS, MD 211172817 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD | $2K | $1K | $3K | 6.97% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | GROUP BENEFIT SERVICES | — | $163K | $163K | 446.21% |
| BECKER BENEFIT GROUP INC5 Filed as: BECKER BENEFIT GROUP | 11000 OWINGS MILLS BLVD, SUITE 6A OWINGS MILLS, MD 21117 | GROUP BENEFIT SERVICES | $46K | — | $46K | 126.75% |
| CATAMARAN5 | PO BOX 27275 NEW YORK, NY 10087 | GROUP BENEFIT SERVICES | $21K | $24K | $45K | 122.82% |
| PREMIER HEALTHCARE EXCHANGE5 | 2 CROSSROADS DR. BEDMINSTER, NJ 07921 | GROUP BENEFIT SERVICES | — | $40K | $40K | 108.05% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | RELIANCE STANDARD | $1K | $1K | $2K | 7.00% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP BENEFIT SERVICES | 185 | $37K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 488 | $140K |
| Vision(2 contracts, 2 carriers) | GROUP BENEFIT SERVICES | 228 | $51K |
| Life insurance | RELIANCE STANDARD | 193 | $49K |
| Short-term disability | RELIANCE STANDARD | 193 | $49K |
| Long-term disability | RELIANCE STANDARD | 186 | $35K |
| Stop-loss / reinsurancereinsurance | GROUP BENEFIT SERVICES | 185 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.