| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HGID INC3 Filed as: HGID INC. | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 14.98% |
| HGID INC3 Filed as: HGID INC. | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $643 | — | $643 | 3.32% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $640 | — | $640 | 3.31% |
| KAYLA NEARY3 | 215A SENECA WAY HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $189 | — | $189 | 0.98% |
| MICHAEL C WALKER3 | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.47% |
| ERIK LIDUMS3 | 203 MARKET STREET HAVRE DE GRADE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.15% |
| MATTHEW D DIPASQUALE3 | 1714 FLEET STREET BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| MICHAEL C WALKER3 | 203 MARKET STREET STE 210 HAVRE DE GRACE, MD 21078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.03% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 177 | $45K |
| Long-term disability | STANDARD INSURANCE COMPANY | 177 | $45K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 53 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.