| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES STREET-STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $9K | $29K | 21.46% |
| AMWINS5 Filed as: AMWINS ADMINISTRATORS, INC. | 11350 MCCORMICK RD - STE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.00% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 S CHARLES ST - STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 20.98% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD-STE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 S CHARLES ST-STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $12K | 21.05% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD - SUITE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $8K | $4K | $12K | 23.06% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES ST - SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 23.17% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD - STE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S. CHARLES ST.-SUITE 300 BALTIMORE, MD 21201 | EYEMED VISION CARE | $2K | — | $2K | 8.21% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | EYEMED VISION CARE | $939 | — | $939 | 3.68% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $558 | — | $558 | 2.19% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS | 11350 MCCORMICK ROAD, EXEC PLAZA 4 SUITE 400 HUNT VALLEY, MD 21031 | EYEMED VISION CARE | $352 | — | $352 | 1.38% |
| EMPLOYEE BENEFIT SERVICES3 | 575 S. CHARLES ST -SUITE 300 BALTIMORE, MD 21201 | COUNTRYWIDE ENTERPRISES, INC. | $1K | — | $1K | 10.00% |
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 | 546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 351 | $26K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 546 | $95K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $123K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 544 | $135K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 546 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.