| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: AVON DIXON AN ALERA GROUP AGENCY LL | 28640 MARYS CT STE 100 EASTON, MD 216017742 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $36K | $36K | 5.01% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6N PARK DR STE 310 HUNT VALLEY, MD 210301821 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $11K | $11K | 1.47% |
| STANLEY W SCHULMAN3 | 3400 NANCY ELLEN WAY OWINGS MILLS, MD 21117 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$57 | -$57 | -0.01% |
| GROUP BENEFITS LTD Filed as: GROUP SERVICES LLC | 3066 VICTORIA ST BETTENDORF, IA 52722 | WELLMARK HEALTH PLAN OF IOWA | $9K | — | $9K | 6.75% |
| HOWARD LAMPLUGH | 230 E. BISHOP HOLLOW RD MEDIA, PA 19063 | DOMINION NATIONAL | $3K | — | $3K | 7.56% |
| HOWARD LAMPLUGH3 | 230 E. BISHOP HOLLOW RD MEDIA, PA 19063 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| HOWARD LAMPLUGH3 | 230 E. BISHOP HOLLOW RD MEDIA, PA 19063 | HARTFORD LIFE AND ACCIDENT | $524 | — | $524 | 15.00% |
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 | 133 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 89 | $853K |
| Dental | DOMINION NATIONAL | 97 | $38K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 109 | $3K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 75 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.