| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | SUITE 700 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.97% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | SUITE 700 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $627 | $12 | $639 | 8.31% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | — | $220 | 2.86% |
| DICE INSURANCE INC3 Filed as: DICE INSURANCE INC. | 38 BELMORE RD LUTHERVILLE, MD 21093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | — | $171 | 2.22% |
| RICHARD L ANDREWS3 Filed as: RICHARD L. ANDREWS | 3900 KLAUSMIER RD NOTTINGHAM, MD 21236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.94% |
| JEFFREY MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $4 | $40 | 0.52% |
| TERESA D'ASCOLI3 | 16905 VINE COURT OLNEY, MD 20832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.48% |
| ERNESTO MCKENZIE JR3 Filed as: ERNESTO MCKENZIE JR. | 8618 CHESTNUT RIDGE DR. LAUREL, MD 20707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO RD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 221 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION NATIONAL | 170 | $85K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 231 | $15K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 276 | $75K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 276 | $75K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 276 | $75K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 276 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.