| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES STREET-STE 300 BALTIMORE, MD 21201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 3.51% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 575 S CHARLES STREET-STE 300 BALTIMORE, MD 21201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 2.14% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS, COUNSELMAN, MICHAELS & DOWNE | 575 S CHARLES STREET-SUITE 300 BALTIMORE, MD 21201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $8K | 11.03% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS | 6 N PARK DRIVE-SUITE 310 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.00% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD, SUITE 390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 0.08% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES ST - STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.12% |
| AMWINS5 Filed as: AMWINS ADMINISTRATORS, INC. | 11350 MCCORMICK RD - STE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $912 | $912 | 3.00% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN, MICHAELS & DOWNE | 1500 WHETSTONE WAY, STE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $515 | — | $515 | 1.69% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS MICHEALS & DOWNES INC | 575 S CHARLES ST - STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $473 | — | $473 | 1.56% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES ST - SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 12.66% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS | 11350 MCCORMICK RD - STE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $876 | $876 | 3.00% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS MICHAELS & DOWNES INC. | 575 S CHARLES ST - SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $713 | — | $713 | 2.44% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS, COUNSELMAN, MICHAELS & DOWNE | 1500 WHETSTONE WAY, STE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $493 | — | $493 | 1.69% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES ST - STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 12.71% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS | 11350 MCCORMICK RD-STE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $537 | $537 | 3.00% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS, MICHAELS & DOWNES | 575 S CHARLES ST - STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $429 | — | $429 | 2.39% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN, MICHAELS & DOWNES | 1500 WHETSTONE WAY-STE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $303 | — | $303 | 1.69% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES STREET,SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $708 | $787 | $1K | 17.81% |
| RIGGS COUNSELMAN MICHAELS & DOWNES0 Filed as: RIGGS MICHAELS & DOWNES INC | 575 S CHARLES STREET,SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $325 | — | $325 | 3.87% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS INC. | 11350 MCCORMICK RD - STE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $252 | $252 | 3.00% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN, MICHAELS & DOWNES | 1500 WHETSTONE WAY - STE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $227 | — | $227 | 2.70% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES STREET-STE 300 BALTIMORE, MD 21201 | METROPOLITAN LIFE INS COMPANY-SUPERIOR VISION PLAN | $531 | — | $531 | 9.75% |
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 | 121 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $353K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $74K |
| Vision | METROPOLITAN LIFE INS COMPANY-SUPERIOR VISION PLAN | 157 | $5K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $30K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.