| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEANENE MOTSCO3 | 156120LINDEN GROVE LANE WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $3K | $10K | 10.00% |
| MINDY JILL GUISEWITE3 | 11204 CHASE STREET UNIT 2 FULTON, MD 20759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | — | $10K | 9.99% |
| JEFFREY MOTSCO3 | 15612 LINDEN GROVE LANE WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $7K | 6.57% |
| ELENA BOTELLO COLEMAN3 | 7312 YATES COURT MCLEAN, VA 22101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $425 | $2K | 1.96% |
| DENA LYNN STEWART3 | 343 HOPKINS LANDING DRIVE ESSEX, MD 21221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.33% |
| MICHELLE SANJUAN3 | 5932 CEDAR FERN COURT COLUMBIA, MD 21044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.05% |
| ANN MARIE BENT3 | 4812 WALTONSHIRE CIRCLE OLNEY, MD 20832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $580 | $350 | $930 | 0.91% |
| ZACHARY A FOWL3 | 10 BRENDA STREET PORT DEPOSIT, MD 21904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $720 | $25 | $745 | 0.73% |
| ROSALVA GUEVARA3 | 10623 PATTERNBOND TERRACE SILVER SPRING, MD 20902 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $368 | — | $368 | 0.36% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | $29 | $164 | 0.16% |
| GEORGE WILLIAM COX3 | 13608 SUMMER HILL DRIVE PHOENIX, MD 21131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.02% |
| ELAINE COX3 Filed as: ELAINE MCCLELLAND | 4312 GRANADA STREET ALEXANDRIA, VA 22309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.02% |
| MARK E WERNER II3 Filed as: MARK E WERNER LI | 4423 WYNN ROAD BALTIMORE, MD 21236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| FIRST NATIONAL INSURANCE AGENCY3 | 2400 BROAD STREET TIMONIUM, MD 21093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.00% |
| FIRST NATIONAL INSURANCE AGENCY3 | 2400 BROAD STREET TIMONIUM, MD 21093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $958 | $575 | $2K | 16.00% |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 346 | $150K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 114 | $102K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 346 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.