| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMERCIAL INSURANCE MANAGERS3 Filed as: COMMERCIAL INSURANCE MANAGERS, INC. | 8170 LARK BROWN ROAD-SUITE 102 ELKRIDGE, MD 21075 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 3.37% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP,INC. | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $809 | $11K | 2.45% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S. CHARLES ST. - SUITE 300 BALTIMORE, MD 212012428 | UNITEDHEALTHCARE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 310 NORTH PARK DRIVE-SUITE 310 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| COMMERCIAL INSURANCE MANAGERS3 | 8170 LARKBROWN ROAD-SUITE 102 ELKRIDGE, MD 21076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $677 | — | $677 | 7.91% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $436K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $436K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $436K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $9K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.