| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 | 11 SCOTT STREET SUITE 100 WAUSAU, WI 54403 | HCC LIFE INSURANCE COMPANY | $227 | — | $227 | 0.05% |
| BENEFIT WATCH LLC3 | 230 SCHILLING CIR STE 352 HUNT VALLEY, MD 21031 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $30 | $15K | 12.16% |
| PHILIP K BUCHANAN3 | 1410 CRESTULAY FALLSTON, MD 21047 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.00% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 N PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $839 | — | $839 | 1.75% |
| FINANCIAL BALANCE GROUP LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.04% |
| BENEFIT WATCH LLC3 | 4969 MERCANTILE RD SUITE J NOTTINGHAM, MD 21236 | ADVANTICA INSURANCE COMPANY | $644 | — | $644 | 7.56% |
| GBS BENEFITS INC3 Filed as: GBS | 6 NORTH PARK DRIVE SUITE 310 COCKEYSVILLE, MD 21030 | ADVANTICA INSURANCE COMPANY | $386 | — | $386 | 4.53% |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 77 | $48K |
| Vision | ADVANTICA INSURANCE COMPANY | 137 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $121K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $121K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 197 | $121K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 100 | $447K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.