| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $7K | $44K | $52K | 6.17% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SER | 12404 PARK CENTRAL DRIVE STE 400 DALLAS, TX 75251 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $16K | $16K | 1.89% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $705 | $3K | 19.68% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $451 | $451 | 3.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $900 | $345 | $1K | 13.83% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVENUE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $270 | $270 | 3.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | FIRST STOP HEALTH | $389 | — | $389 | 5.43% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 139 | $842K |
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 139 | $835K |
| Vision | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 139 | $835K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $15K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 139 | $835K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.