| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE COLUMBIA GROUP3 Filed as: COLUMBIA GROUP LLC | 600 REISTERSTOWN RD STE 514 BALTIMORE, MD 21208 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $86K | $0 | $86K | 11.45% |
| THE COLUMBIA GROUP3 | 600 REISTERSTOWN RD STE 514 BALTIMORE, MD 21208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.56% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.00% |
| THE COLUMBIA GROUP3 | 600 REISTERSTOWN RD SUITE 514 BALTIMORE, MD 21208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.75% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.99% |
| THE COLUMBIA GROUP3 Filed as: COLUMBIA GROUP, LLC | 600 REISTERSTOWN RD STE 514 BALTIMORE, MD 21208 | GUARDIAN | $8K | $0 | $8K | 7.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | GUARDIAN | $3K | $0 | $3K | 3.00% |
| THE COLUMBIA GROUP3 Filed as: COLUMBIA GROUP LLC | 600 REISTERSTOWN ROAD SUITE 514 BALTIMORE, MD 21208 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $2K | $0 | $2K | 9.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER / PARTY | Contract Administrator; Claims processing Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $37K |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 208 | $749K |
| Dental | GUARDIAN | 144 | $107K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 148 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $166K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $273K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.