| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 575 S CHARLES STREET-SUITE 300 BALTIMORE, MD 21201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 12.68% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 575 S CHARLES ST -SUITE 300 BALTIMORE, MD 21201 | GUARDIAN | $11K | — | $11K | 10.37% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES OSWALD COMPANY | 950 MAIN AVENUE - SUITE 1800 CLEVELAND, OH 44113 | GUARDIAN | — | $5K | $5K | 4.54% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD-300 KIRKWOOD, MO 63122 | GUARDIAN | $4K | — | $4K | 3.77% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD SUITE 390 ROCKVILLE, MD 20850 | GUARDIAN | $18 | — | $18 | 0.02% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 N PARK DR - STE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 17.01% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES ST - STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $418 | — | $418 | 1.23% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 N PARK DRIVE-STE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $552 | $2K | 13.16% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES ST - STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $119 | — | $119 | 0.87% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 N PARK DRIVE-STE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $476 | $2K | 17.71% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES ST - STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $157 | — | $157 | 1.33% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 N PARK DR - STE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $977 | $435 | $1K | 13.15% |
| EMPLPOYEE BENEFIT SERVICES OF MD3 | 575 S CHARLES ST - STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $97 | — | $97 | 0.90% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $302K |
| Dental | GUARDIAN | 96 | $106K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $45K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 96 | $120K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $12K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $302K |
| Other(4 contracts, 2 carriers) | GUARDIAN | 122 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
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.