| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES STREET SUITE 300 BALTIMORE, MD 21201 | CAREFIRST BLUECHOICE | $129K | $56K | $185K | 2.87% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES STREET SUITE 300 BALTIMORE, MD 21201 | DELTA DENTAL OF VIRGINIA | $30K | — | $30K | 4.98% |
| EMPLOYEE BENEFIT SERV OF MD, INC.3 | 575 S CHARLES ST STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $11K | $28K | 16.49% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES, INC. | 6 N PARK DR SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.76% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES STREET SUITE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $9K | $17K | 11.19% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES | 6 N PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.72% |
| 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 | $7K | $7K | $15K | 12.24% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES, INC. | 6 N PARK DR STE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.72% |
| EMPLOYEE BENEFIT SERV OF MD, INC.3 | 575 S CHARLES ST STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $8K | $14K | 12.29% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES, INC. | 6 N PARK DR STE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.73% |
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 | 669 | 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) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 1,427 | $6.5M |
| Dental | DELTA DENTAL OF VIRGINIA | 1,709 | $605K |
| Vision | CAREFIRST BLUECHOICE | 1,427 | $6.5M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 897 | $292K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 897 | $152K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 573 | $115K |
| Prescription drug | CAREFIRST BLUECHOICE | 1,427 | $6.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 897 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,709 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.