| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 921 E. FORT AVE STE 325 BALTIMORE, MD 21230 | GHMSI | $27K | $15K | $42K | 4.16% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 921 E. FORT AVE STE 325 BALTIMORE, MD 21230 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 921 E. FORT AVE STE 325 BALTIMORE, MD 21230 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.00% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 921 E. FORT AVE STE 325 BALTIMORE, MD 21230 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 921 E. FORT AVE STE 325 BALTIMORE, MD 21230 | FIDELITY SECURITY LIFE INSURANCE | $608 | — | $608 | 8.00% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 153 | $1.0M |
| Dental | GHMSI | 153 | $1.0M |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 127 | $8K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $17K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $33K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $23K |
| Prescription drug | GHMSI | 153 | $1.0M |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.