| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL BENEFITS SOLUTIONS INC3 | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $68K | $68K | 4.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY INS | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $65 | $65 | 0.00% |
| PROFESSIONAL BENEFITS SOLUTIONS INC3 | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 4.92% |
| PROFESSIONAL BENEFITS SOLUTION3 | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $281 | $4K | 17.17% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY, INC. | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $360 | — | $360 | 1.51% |
| PROFESSIONAL BENEFITS SOLUTION3 | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $227 | $3K | 15.30% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY, INC. | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $294 | — | $294 | 1.37% |
| PROFESSIONAL BENEFITS SOLUTIONS INC3 Filed as: PROFESSIONAL BENEFITS SOLUTIONS, IN | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | EYEMED | $1K | — | $1K | 10.99% |
| PROFESSIONAL BENEFITS SOLUTIONS INC3 Filed as: PROFESSIONAL BENEFITS SOLUTIONS, IN | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | EYEMED | $1K | — | $1K | 11.25% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 325 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 293 | $148K |
| Vision(2 contracts) | EYEMED | 138 | $20K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $22K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.