| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: THE BUSINESS BENEFITS GROUP, INC | 4069 CHAIN BRIDGE RD FAIRFAX, VA 22030 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 2.06% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.16% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE | 9713 KEY WEST AVE SUITE 401 ROCKVILLE, MD 20850 | DELTA DENTAL | $6K | — | $6K | 4.22% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | DELTA DENTAL | $5K | — | $5K | 3.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, INC | 3290 N. RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.48% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.52% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | VISION SERVICE PLAN | $874 | — | $874 | 3.99% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVE SUITE 401 ROCKVILLE, MD 20850 | VISION SERVICE PLAN | $587 | — | $587 | 2.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, INC | 3290 N. RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 8.60% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 6.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, INC | 3290 N. RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $552 | — | $552 | 9.08% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $360 | — | $360 | 5.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 3290 N. RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 100.00% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. 2ND FLOOR BALTIMORE, MD 21230 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 77.18% |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 260 | $1.4M |
| Dental | DELTA DENTAL | 354 | $143K |
| Vision | VISION SERVICE PLAN | 122 | $22K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 216 | $22K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 306 | $36K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 309 | $4K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 216 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.