| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVENUE, SUITE 104 TOWSON, MD 21204 | GHMSI | $0 | $22K | $22K | 0.15% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | AETNA LIFE INSURANCE COMPANY | $161K | $0 | $161K | 10.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $18K | $49K | 7.36% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $6K | $14K | 11.15% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP INC. | 600 WASHINGTON AVENUE, SUITE 104 TOWSON, MD 21204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.00% |
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 | 1,833 | 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) | 1,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 2,027 | $14.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,413 | $660K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,106 | $124K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,833 | $1.6M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,833 | $1.6M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,833 | $1.6M |
| Prescription drug | GHMSI | 2,027 | $14.8M |
| Other | AETNA LIFE INSURANCE COMPANY | 1,833 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,413 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.