| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SERV OF MD, INC.3 Filed as: EMPLOYEE BENEFIT SERVICES OF MARYLA | 575 S. CHARLES ST. STE 300 BALTIMORE, MD 21201 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 1.61% |
| NATIONAL CAPITAL ADMINISTRATIVE SER3 | 6201 FAIRVIEW RD. STE 300 CHARLOTTE, NC 28210 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.46% |
| EMPLOYEE BENEFIT SERV OF MD, INC.3 Filed as: EMPLOYEE BENEFIT SERVICES OF MARYLA | 575 S. CHARLES ST. STE 300 BALTIMORE, MD 21201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 6.75% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 N. PARK DR. STE 310 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DR. STE 610 BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.54% |
| 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 | $4K | $13K | $17K | 9.69% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 6 N. PARK DR. STE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 3.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DR. STE 610 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 2.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUNLIFE FINANCIAL EIN 38-1082080 STOP LOSS PROVIDER | Insurance services Service code 23 | — | $439K |
| CAREFIRST ADMINISTRATORS EIN 52-1187907 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $336K |
| EMPLOYEE BENEFIT SERVICES EIN 45-3666130 BROKER | Insurance agents and brokers Service code 22 | — | $83K |
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 BROKER | Insurance agents and brokers Service code 22 | — | $42K |
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 | 582 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 378 | $213K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 378 | $213K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 582 | $177K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 582 | $177K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 582 | $177K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 322 | $439K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 582 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.