| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SERVICES3 | 575 S. CHARLES STREET SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.31% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES, INC. | 6 N. PARK DR. SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $919 | $919 | 3.00% |
| EMPLOYEE BENEFIT SERVICES3 | 575 S. CHARLES STREET SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $946 | $4K | 17.86% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES, INC. | 6 N. PARK DR. SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $687 | $687 | 3.00% |
| EMPLOYEE BENEFIT SERVICES3 | 575 S. CHARLES STREET SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $709 | $3K | 19.22% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES, INC. | 6 N. PARK DR. SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $504 | $504 | 3.00% |
| EMPLOYEE BENEFIT SERVICES3 | 575 S. CHARLES STREET SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $589 | $2K | 14.25% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES, INC. | 6 N. PARK DR. SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $416 | $416 | 3.00% |
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 | 116 | 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. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $23K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.