| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 | 6720A ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $481 | $481 | 3.00% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP-MD | 6720A ROCLLEDGE DR #400 BETHESDA, MD 20817 | EYEMED | $831 | $0 | $831 | 11.02% |
| THE CAPITAL GROUP LLC3 | 6720A ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 20.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $210 | $210 | 3.00% |
| THE CAPITAL GROUP LLC3 | 6720A ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 20.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $167 | $167 | 3.00% |
| THE CAPITAL GROUP LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $775 | $0 | $775 | 20.00% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $116 | $116 | 2.99% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL LLC | 6720A ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $3K | $4K | — |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | EYEMED | 159 | $8K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $9K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 26 | $7K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $16K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
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.