| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | GHMSI | — | $102K | $102K | 2.43% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | GHMSI | — | $8K | $8K | 0.19% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | GHMSI | — | $2K | $2K | 0.05% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $47K | $11K | $57K | 16.22% |
| AP BENEFIT ADVISORS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | GUARDIAN | $13K | — | $13K | 17.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERV | 4851 LBJ FWY SUITE 100 DALLAS, TX 75244 | VISION SERVICE PLAN | $2K | — | $2K | 4.55% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | VISION SERVICE PLAN | $1K | — | $1K | 2.33% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | VISION SERVICE PLAN | $568 | — | $568 | 1.15% |
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 | 413 | 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) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 859 | $4.2M |
| Dental | GUARDIAN | 380 | $73K |
| Vision | VISION SERVICE PLAN | 290 | $49K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 413 | $353K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 413 | $426K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 413 | $353K |
| Prescription drug | GHMSI | 859 | $4.2M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 413 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 859 | — |
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.