| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAK AGENCY INC.3 Filed as: RAK GROUP INC | 2943-B OLNEY SANDY SPRING RD OLNEY, MD 20832 | GHMSI | $87K | $49 | $87K | 5.00% |
| RAK AGENCY INC. Filed as: RAK GROUP INC | 2943 OLNEY SANDY SPRING RD UNIT B OLNEY, MD 20832 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $6K | $13K | 8.08% |
| KELLY & ASSOCIATES INSURANCE GROUP Filed as: KELLY & ASSOC INS GRP INC | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.00% |
| WEINBERG LLC Filed as: WEINBERG, LLC | 321 RESERVE GATE TERRACE SILVER SPRING, MD 20905 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $734 | — | $734 | 0.45% |
| NEBCO5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.32% |
| THE KOMOLO GROUP, INC. Filed as: THE KOMOLO GROUP. INC. | 17830 NEW HAMPSHIRE AVENUE STE. 300 ASHTON, MD 20861 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $801 | — | $801 | 4.77% |
| WEINBERG LLC Filed as: WEINBERG, LLC | 321 RESERVE GATE TERRACE SILVERSPRING, MD 20905 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $157 | — | $157 | 0.93% |
| AMWINS5 | 50 WHITECAP DRIVE N, RI 02852 | STERLING LIFE - MED D RX | $1K | — | $1K | 9.88% |
| THE KOMOLO GROUP, INC. | 17830 NEW HAMPSHIRE AVENUE STE. 300 ASHTON, MD 20861 | STERLING LIFE - MED D RX | $359 | — | $359 | 3.34% |
| WEINBERG LLC Filed as: WEINBERG, LLC | 321 RESERVE GATE TERRACE SILVERSPRING, MD 20905 | STERLING LIFE - MED D RX | $71 | — | $71 | 0.66% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GHMSI | 129 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $163K |
| Vision | GHMSI | 129 | $1.7M |
| Prescription drug(2 contracts, 2 carriers) | GHMSI | 129 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.