| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYCEUM INSURANCE SERVICES LLC3 Filed as: LYCEUM INSURANCE SERVICES, LLC | 18310 MONTGOMERY VILLAGE AVE SUITE 230 GAITHERSBURG, MN 20879 | GHMSI/ CAREFIRST BLUECHOICE | $50K | $43 | $50K | 3.52% |
| LYCEUM INSURANCE SERVICES LLC3 | 18310 MONTGOMERY VILLAGE AVE SUITE 230 GAITHERSBURG, MD 20879 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.44% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES | 6 N PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.00% |
| FINANCIAL BALANCE GROUP LLC5 | 1901 RESEARCH BLVD SUITE 400 ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.02% |
| LYCEUM INSURANCE SERVICES LLC3 Filed as: LYCEUM INSURANCE SERVICES, LLC | 18310 MONTGOMERY VILLAGE AVE SUITE 230 GAITHERSBURG, MD 20879 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 9.07% |
| LYCEUM INSURANCE SERVICES LLC3 Filed as: LYCEUM INSURANCE SERVICES, LLC | 18310 MONTGOMERY VILLAGE AVE SUITE 230 GAITHERSBURG, MD 20879 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.92% |
| LYCEUM INSURANCE SERVICES LLC3 Filed as: LYCEUM INSURANCE SERVICES, LLC | 18310 MONTGOMERY VILLAGE AVE SUITE 230 GAITHERSBURG, MD 20879 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 20.23% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI/ CAREFIRST BLUECHOICE | 105 | $1.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $104K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $95K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $95K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $95K |
| Prescription drug | GHMSI/ CAREFIRST BLUECHOICE | 105 | $1.4M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.