| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 7230 LEE DETOREST DRIVE SUITE 202 COLUMBIA, MD 21046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 7.58% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 3.00% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.97% |
| THE JORDAN GROUP, LLC3 | 7230 LEE DEFOREST DRIVE SUITE 103 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.72% |
| AP BENEFITS ADVISORS LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MH 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $121 | — | $121 | 0.28% |
| THE JORDAN GROUP, LLC3 | 7230 LEE DEFOREST DRIVE SUITE 103 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.10% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| AP BENEFITS ADVISORS LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $924 | — | $924 | 2.22% |
| THE JORDAN GROUP, LLC3 | 7230 LEE DEFOREST DRIVE SUITE 103 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.91% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| AP BENEFITS ADVISORS LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $256 | — | $256 | 0.63% |
| THE JORDAN GROUP, LLC3 | 7230 LEE DEFOREST DRIVE SUITE 103 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.54% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| AP BENEFITS ADVISORS LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $612 | — | $612 | 1.75% |
| THE JORDAN GROUP, LLC3 | 7230 LEE DEFOREST DRIVE SUITE 103 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 16.65% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $848 | $848 | 3.00% |
| THE JORDAN GROUP, LLC3 | 7230 LEE DEFOREST DRIVE SUITE 103 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $535 | $3K | 16.42% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $630 | $630 | 3.00% |
| THE JORDAN GROUP, LLC3 | 7230 LEE DEFOREST DRIVE SUITE 103 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $674 | $3K | 13.33% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $607 | $607 | 3.00% |
| THE JORDAN GROUP, LLC3 | 7230 LEE DEFOREST DRIVE SUITE 103 COLUMBIA, MD 21046 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $617 | $2K | 9.94% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $536 | $536 | 3.00% |
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 | 762 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 759 | $431K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 759 | $431K |
| Life insurance(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,239 | $115K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $61K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 452 | $72K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 775 | $750K |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,239 | $546K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,239 | — |
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.