| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS INDUSTRIES, INC | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 3.77% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 11350 MCCORMICK ROAD EXECUTIVE PLAZA 4 SUITE 400 HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 0.90% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMAPNY | $4K | — | $4K | 5.93% |
| FIRST NATIONAL INSURANCE AGENCY3 | 2400 BROAD STREET TIMONIUM, MD 21093 | RELIANCE STANDARD LIFE INSURANCE COMAPNY | — | $2K | $2K | 3.00% |
| ANNE-MARGARET OBRIEN3 | 220 SOUTH EXETER STREET BALTIMORE, MD 21202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $4K | $12K | 22.27% |
| ELENA BOTELLO COLEMAN3 | 7312 YATES COURT MCLEAN, VA 22101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $562 | $3K | 5.81% |
| JEFFREY MOTSCO3 | 15612 LINDEN GROVE LANE WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $431 | $3K | 4.70% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $906 | $399 | $1K | 2.33% |
| JEANENE MOTSCO3 | 15612 LINDEN GROVE LANE WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $575 | $97 | $672 | 1.20% |
| ELAINE COX3 Filed as: ELAINE MCCLELLAND | 4312 GRANADA STREET ALEXANDRIA, VA 22309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $508 | $44 | $552 | 0.99% |
| ANN MARIE BENT3 | 7551 ORCHID HAMMOCK DRIVE WEST PALM BEACH, FL 33412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.06% |
| MORFAR STRATEGIES INC3 | 10380 NORTHWEST 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LISA M RUSSEY3 | 10380 NORTHWEST 52ND STREET CORAL SPRINGS, FL 33076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| PEACOCK FINANCIALS INC3 | 11830 NORTHWEST 32ND MANOR SUNRISE, FL 33323 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.81% |
| FIRST NATIONAL INSURANCE AGENCY3 | 2400 BROAD STREET TIMONIUM, MD 21093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE INDUSTRIES | 307 INTERNATIONAL CIRCLE SUITE 610 HUNT VALLEY, MD 21030 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.48% |
| FIRST NATIONAL INSURANCE AGENCY3 | 2400 BROAD STREET TIMONIUM, MD 21093 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $647 | $647 | 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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 153 | $78K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMAPNY | 154 | $65K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 154 | $34K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 153 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.