| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFITS CONSULTING, LLC3 Filed as: FINANCIAL BENEFITS CONSULTING LLC | 7101 WISCONSIN AVENUE SUITE 1200 BETHESDA, MD 20814 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $6K | $65K | $71K | 4.30% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC WHL | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $20K | $20K | 1.20% |
| FINANCIAL BENEFITS CONSULTING, LLC3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.08% |
| GIS BENEFITS INC3 | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 3.18% |
| DANIEL LEROY, CFP3 Filed as: DANIEL MCNULTY, CFP | 3141 FAIRVIEW DRIVE FALLS CHURCH, VA 22042 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.95% |
| DANIEL LEROY, CFP3 | 3141 FAIRVIEW PARK DRIVE FALLS CHURCH, VA 22042 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.90% |
| DANIELLE THOMPSON3 | 700 PENNSYLVANIA AVENUE SOUTHEAST WASHINGTON, DC 20003 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.90% |
| EDDIE PETERS3 | 13121 GENTRY DRIVE HAGERSTOWN, MD 21742 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $803 | — | $803 | 28.24% |
| CHRISTINE ROEBUCK3 | 4300 WEST LAKE MARY BOULEVARD UNIT 1010-337 LAKE MARY, FL 32746 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | — | $26 | 0.91% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 152 | $1.7M |
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 152 | $1.7M |
| Vision | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 152 | $1.7M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 187 | $150K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 187 | $150K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 187 | $150K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 152 | $1.7M |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 187 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.