| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 909 ROSE AVE N BETHESDA, MD 20852 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $41K | $41K | 1.43% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $31K | $31K | 1.08% |
| C. T. HELLMUTH & ASSOCIATES, INC.5 | 909 ROSE AVE N BETHESDA, MD 20852 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $4K | $4K | 0.13% |
| DIGITAL INSURANCE LLC5 | 200 GALLERIA PKWY ATLANTA, GA 30339 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $3K | $3K | 0.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $4K | $14K | 9.01% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 4.55% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | DELTA DENTAL OF PENNSYLVANIA | $4K | — | $4K | 2.78% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 909 ROSE AVE N BETHESDA, MD 20852 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 1.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 12505 PARK POTOMAC AVENUE SUITE 300 POTOMAC, MD 20854 | HARTFORD LIFE AND ACCIDENT INSURANCE | $954 | — | $954 | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $702 | — | $702 | 30.00% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 206 | $2.9M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 187 | $134K |
| Vision | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 165 | $2.9M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $153K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $153K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 165 | $2.9M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.