| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH5 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | MERITAIN HEALTH | $0 | $163K | $163K | 38.54% |
| TODD SULLIVAN3 | 300 NORTHWAY BALTIMORE, MD 21218 | HCC LIFE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| COBECON3 | 921 E. FORT AVE. STE 325 BALTIMORE, MD 21202 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 0.91% |
| MERITAIN HEALTH3 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 0.75% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 921 E. FORT AVE. STE 325 BALTIMORE, MD 212305149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $242 | $3K | 14.69% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 921 E. FORT AVE. STE 325 BALTIMORE, MD 212305149 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $139 | $1K | 11.11% |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 130 | $424K |
| Dental | MERITAIN HEALTH | 130 | $424K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $12K |
| Long-term disability(2 contracts, 2 carriers) | MERITAIN HEALTH | 179 | $445K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 133 | $278K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.