| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDY SPRING INSURANCE CORPORATION3 | 170 JENNIFER ROAD ANNAPOLIS, MD 21401 | CAREFIRST BLUECHOICE INC | $2K | $15K | $17K | 4.96% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE INC | — | $8K | $8K | 2.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC INC | 1445 RESEARCH BOULEVARD SUITE 210 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE INC | $150 | $1K | $1K | 0.44% |
| JEANENE MOTSCO3 | 15612 LINDEN GROVE LANE WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $3K | $12K | 9.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC | 170 JENNIFER ROAD ANNAPOLIS, MD 21401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | — | $11K | 9.13% |
| JEFFREY MOTSCO3 | 15612 LINDEN GROVE LANE WOODVINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 4.71% |
| ELAINE COX3 Filed as: ELAINE MCCLELLAND | 4312 GRANADA STREET ALEXANDRIA, VA 22309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $188 | $2K | 1.60% |
| ANN MARIE BENT3 | 7551 ORCHID HAMMOCK DRIVE WEST PALM BEACH, FL 33412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.83% |
| ELENA BOTELLO COLEMAN3 | 7312 YATES COURT MCLEAN, VA 22101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $571 | $61 | $632 | 0.52% |
| COLLEEN SHIRK LIND3 Filed as: COLLEEN R LIND | 8 HARPOON ROAD OCEAN PINES, MD 21811 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $624 | $4 | $628 | 0.51% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $409 | $146 | $555 | 0.45% |
| ASSUREDPARTNERS3 Filed as: JENNIFER STEVENS | 2623 FALLSTON ROAD FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $178 | — | $178 | 0.15% |
| MINDY JILL GUISEWITE3 | 11204 CHASE STREET UNIT 2 FULTON, MD 20759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | — | $162 | 0.13% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $5 | $54 | 0.04% |
| INSURANCE CORPORATION, S SANDY3 | 170 JENNIFER ROAD SUITE 200 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $3K | $11K | 19.00% |
| INSURANCE CORPORATION, S SANDY3 | 170 JENNIFER ROAD SUITE 200 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $882 | $529 | $1K | 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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE INC | 69 | $340K |
| Dental | CAREFIRST BLUECHOICE INC | 69 | $340K |
| Vision | CAREFIRST BLUECHOICE INC | 69 | $340K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 283 | $66K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 138 | $123K |
| Prescription drug | CAREFIRST BLUECHOICE INC | 69 | $340K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 283 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.