| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SERV OF MD, INC.3 | 575 S CHARLES ST STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $43K | $68K | 27.59% |
| EMPLOYEE BENEFIT SERV OF MD, INC.3 | 575 S CHARLES ST STE 300 BALTIMORE, MD 21201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44K | $40K | $84K | 37.90% |
| 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 | $19K | $34K | $53K | 27.81% |
| 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 | $21K | $31K | $53K | 29.62% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES STREET SUITE 300 BALTIMORE, MD 21201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32K | $3K | $36K | 22.13% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES STREET SUITE 300 BALTIMORE, MD 21201 | VISION SERVICE PLAN | $3K | — | $3K | 2.30% |
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 | 1,306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $162K |
| Vision | VISION SERVICE PLAN | 877 | $133K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,306 | $400K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,305 | $352K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,306 | $245K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,306 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,306 | — |
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.