| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES STREET SUITE 300 BALTIMORE, MD 21201 | CAREFIRST BLUECHOICE | $28K | $10K | $38K | 6.79% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S. CHARLES STREET SUITE 300 BALTIMORE, MD 21201 | GUARDIAN | $2K | $919 | $3K | 7.23% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 N PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | GUARDIAN | $1K | — | $1K | 3.00% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 S CHARLES STREET SUITE 300 BALTIMORE, MD 212012428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 18.08% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES, INC. | 6 N PARK DRIVE SUITE 310 HUNT VALLEY, MD 210301821 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $965 | $965 | 2.66% |
| KELLY BENEFITS3 Filed as: KELLY BENEFITS, INC. | 810 E. COLLEGE PKWY ANNAPOLIS, MD 214095629 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $612 | $0 | $612 | 1.69% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC INS. GROUP, INC. | 1 KELLY WAY SPARKS, MD 211529484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $204 | $204 | 0.56% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD,INC | 575 S. CHARLES STREET SUITE 300 BALITMORE, MD 212012428 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $959 | $3K | 20.80% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES INC. | 6 N PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $360 | $360 | 2.71% |
| KELLY BENEFITS3 Filed as: KELLY BENEFITS, INC. | 810 E. COLLEGE PKWY ANNAPOLIS, MD 214095629 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $190 | $0 | $190 | 1.43% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC INS GROUP INC. | 1 KELLY WAY SPARKS, MD 211509484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $63 | $63 | 0.47% |
| EMPLOYEE BENEFIT SERVICES3 | 575 S CHARLES ST SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $955 | $855 | $2K | 17.41% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES, INC. | 6 N PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $287 | $287 | 2.76% |
| KELLY BENEFITS3 Filed as: KELLY BENEFITS, INC. | 810 E. COLLEGE PARKWAY ANNAPOLIS, MD 214095629 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $85 | $0 | $85 | 0.82% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INS GROUP INC. | 1 KELLY WAY SPARKS, MD 211529484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $42 | $42 | 0.40% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 86 | $560K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 82 | $47K |
| Vision | CAREFIRST BLUECHOICE | 86 | $560K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $10K |
| Prescription drug | CAREFIRST BLUECHOICE | 86 | $560K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.