| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 921 EAST FORT AVENUE, SUITE 325 BALTIMORE, MD 21230 | CAREFIRST BLUECHOICE | $68K | $57 | $68K | 4.09% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DR., SUITE 303 BALTIMORE, MD 21209 | CAREFIRST BLUECHOICE | $15K | — | $15K | 0.92% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 921 EAST FORT AVENUE, SUITE 325 BALTIMORE, MD 21230 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $31 | $3K | 3.34% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 26457 SANTA ANA, CA 92799 | METROPOLITAN LIFE INSURANCE COMPANY | $273 | — | $273 | 0.33% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS | 921 EAST FORT AVENUE, SUITE 325 BALTIMORE, MD 21230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 10.85% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 26457 SANTA ANA, CA 92799 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $725 | — | $725 | 0.93% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS | 921 EAST FORT AVENUE, SUITE 325 BALTIMORE, MD 21230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $522 | $4K | 11.75% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS | 921 EAST FORT AVENUE, SUITE 325 BALTIMORE, MD 21230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $441 | $3K | 12.60% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 26457 SANTA ANA, CA 92799 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $237 | — | $237 | 0.96% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS | 921 EAST FORT AVENUE, SUITE 325 BALTIMORE, MD 21230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.74% |
| CENTENNIAL GROUP BENEFITS3 | P.O. BOX 26457 SANTA ANA, CA 92799 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $186 | — | $186 | 1.44% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 140 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 312 | $95K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 115 | $13K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $30K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $78K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 77 | $25K |
| Prescription drug | CAREFIRST BLUECHOICE | 140 | $1.7M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.