| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL BENEFIT SOLUTIONS LLC3 Filed as: PROFESSIONAL BENEFIT SOLUTIONS | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | GHMSI / CAREFIRST BLUE CHOICE | $19K | — | $19K | 2.82% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP INC | 4069 CHAIN BRIDGE RD TOP FLOOR FAIRFAX, VA 22030 | GHMSI / CAREFIRST BLUE CHOICE | $5K | $10K | $14K | 2.10% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | PO BOX 10100 MCLEAN, VA 22102 | GHMSI / CAREFIRST BLUE CHOICE | — | $637 | $637 | 0.09% |
| PROFESSIONAL BENEFIT SOLUTIONS LLC3 Filed as: PROFESSIONAL BENEFIT SOLUTIONS INC | 8945 GUILFORD RD STE 145 COLUMBIA, MD 21046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $7K | $11K | 11.16% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GRP INC | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.40% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: THE BUSINESS BENEFITS GROUP INC | 4069 CHAIN BRIDGE RD TOP FLOOR FAIRFAX, VA 22030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $975 | — | $975 | 1.00% |
| STEVEN L CRAWFORD3 | 230 STRUMMER LN GATHERSBURG, MD 20878 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 0.04% |
| FINANCIAL BALANCE GROUP LLC3 | 1901 RESEARCH BLVD STE 400 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.01% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI / CAREFIRST BLUE CHOICE | 102 | $684K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $97K |
| Prescription drug | GHMSI / CAREFIRST BLUE CHOICE | 102 | $684K |
| Other | LEGAL RESOURCES | 11 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.