| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 2.61% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DR. STE 310 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $28K | $28K | 2.36% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 1.39% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.42% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: GROUP BENEFIT SERIVCES INC | 6 NORTH PARK DR STE 310 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 3.95% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 3.94% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 1.99% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 12.78% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DR STE 300 HUNT VALLEY, MD 21030 | UNION SECURITY INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $592 | — | $592 | 5.23% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | VISION SERVICE PLAN | $592 | — | $592 | 5.23% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL CENTER | 11311 MCCORMICK ROAD, STE. 500 HUNT VALLEY, MD 21031 | VISION SERVICE PLAN | $204 | — | $204 | 1.80% |
| LILLENFIELD & ASSOCIATES LLC3 | 1100 HIGGINS PLACE ROCKVILLE, MA 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $843 | $96 | $939 | 19.76% |
| JEFFREY LEE LASKO3 | 218 POLARIS DRIVE WALKERSVILLE, MD 21793 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $679 | $16 | $695 | 14.62% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $459 | — | $459 | 9.66% |
| ASSUREDPARTNERS3 Filed as: JENNIFER STEVENS | 2623 FALLSTON ROAD FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.13% |
| DICE INSURANCE INC3 Filed as: DICE INSURANCE, INC. | 5219 CASENTINO COURT MYRTLE BEACH, SC 29579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| MID ATLANTIC INSURANCE SERVICES LLC3 Filed as: MID ATLANTIC INSURANCE GROUP, INC. | 34 C QUEEN ANNE WAY CHESTER, MD 21619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 112 | $84K |
| Vision | VISION SERVICE PLAN | 105 | $11K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 119 | $70K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 5 | $5K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 119 | $65K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 119 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.