| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATHER & STROHL ADMINISTRATIVE SVCS3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21284 | CAREFIRST BLUECHOICE | — | $15K | $15K | 1.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES NJ | 501 FELLOWSHIP ROAD SUITE 201 MOUNT LAUREL, NJ 08504 | CAREFIRST BLUECHOICE | $14K | $54 | $14K | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.86% |
| INDEPENDENT BENEFIT SERVICES3 Filed as: INDEPENDENT BENEFIT SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $744 | — | $744 | 3.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 15800 CRABS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $436 | — | $436 | 2.06% |
| INDEPENDENT BENEFIT SERVICES3 Filed as: INDEPENDENT BENEFIT SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $199 | — | $199 | 0.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.86% |
| INDEPENDENT BENEFIT SERVICES3 Filed as: INDEPENDENT BENEFIT SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $593 | — | $593 | 3.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.63% |
| INDEPENDENT BENEFIT SERVICES3 Filed as: INDEPENDENT BENEFIT SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $593 | — | $593 | 3.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | AMERITAS LIFE INSURANCE CORPORATION | $422 | — | $422 | 2.80% |
| INDEPENDENT BENEFIT SERVICES3 Filed as: INDEPENDENT BENEFIT SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 208552697 | AMERITAS LIFE INSURANCE CORPORATION | $331 | — | $331 | 2.20% |
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 | 150 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 132 | $1.0M |
| Dental(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 132 | $1.0M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 74 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $21K |
| Prescription drug | CAREFIRST BLUECHOICE | 132 | $1.0M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $41K |
| 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.