| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK GROUP | 5608 LAKE CHRISTOPHER DRIVE ROCKVILLE, MD 20855 | GHMSI | $92K | $44 | $92K | 5.00% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | GHMSI | $0 | $10K | $10K | 0.57% |
| BENEFITS NETWORK INC. (WEXFORD,PA)3 Filed as: BENEFITS NETWORK GROUP INC | 5608 LAKE CHRISTOPHER DRIVE ROCKVILLE, MD 20855 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 4.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERVI | 4851 LYNDON B JOHNSON FWY STE 1100 DALLAS, TX 75244 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 2.52% |
| BENEFITMALL3 Filed as: BENEFITMALL HOLDING INC DBA DKG INS | 4851 LYNDON B JOHNSON FWY STE 100 DALLAS, TX 75244 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.96% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 233 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $317K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $317K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $317K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $317K |
| Prescription drug | GHMSI | 233 | $1.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 265 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.