| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES, INC. | 29 W SUSQUEHANNA AVE STE 400 TOWSON, MD 212045215 | UNITED HEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 4.99% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC. | 1 KELLY WAY SPARKS, MD 211529484 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.75% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES, INC. | 1 OLYMPIC PLACE SUITE 900 TOWSON, MD 212044113 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS GRP INC. | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.90% |
| INSUREYOURPEOPLE, LLC3 | 303 2ND STREET NORTH TOWER STE 450 SAN FRANCISCO, CA 94107 | THE GUARDIAN LIFE INSURANCE COMPANY | $36 | — | $36 | 0.04% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES, INC. | 1 OLYMPIC PLACE SUITE 900 TOWSON, MD 212044113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $338 | $3K | 9.27% |
| THE CAPITAL GROUP LLC5 Filed as: CAPITAL SERVICES, INC. | 1 OLYMPIC PLACE SUITE 900 TOWSON, MD 212044113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.05% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES, INC. | 1 OLYMPIC PLACE SUITE 900 TOWSON, MD 212044113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $243 | $3K | 14.49% |
| THE CAPITAL GROUP LLC5 Filed as: CAPITAL SERVICES, INC. | 1 OLYMPIC PLACE SUITE 900 TOWSON, MD 212044113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.05% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES, INC. | 1 OLYMPIC PLACE SUITE 900 TOWSON, MD 212044113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $98 | $3K | 15.60% |
| THE CAPITAL GROUP LLC5 Filed as: CAPITAL SERVICES, INC. | 1 OLYMPIC PLACE SUITE 900 TOWSON, MD 212044113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $828 | $828 | 5.01% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES, INC. | 1 OLYMPIC PLACE SUITE 900 TOWSON, MD 212044113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $169 | $1K | 9.41% |
| THE CAPITAL GROUP LLC5 Filed as: CAPITAL SERVICES, INC. | 1 OLYMPIC PLACE SUITE 900 TOWSON, MD 212044113 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $781 | $781 | 5.05% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 189 | $775K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 82 | $100K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 82 | $100K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $22K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.