| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS. INDUSTRIES, INC | 307 INTERNATIONAL CIR, STE 610 HUNT VALLEY, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $34K | $34K | 3.31% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS. INDUSTRIES, INC. | 307 INTERNATIONAL CIR - #610 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 18.23% |
| MATHER & STROHL ADMIN SVCS INC3 | 501 FAIRMOUNT AVE - #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 7.34% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS. INDUSTRIES INC. | 307 INTERNATIONAL CIRCLE - #610 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.55% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SVC, INC. | 501 FAIRMOUNT AVE - #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 7.38% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS. INDUSTRIES, INC. | 307 INTERNATIONAL CIR-#610 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.24% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE-#400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.96% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS. INDUSTRIES INC. | 307 INTERNATIONAL CIRCLE- #610 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.18% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER & STROHL ADMIN SVCS INC. | 501 FAIRMOUNT AVE - #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.94% |
| MCQUADE CONSULTING LLC3 Filed as: MCQUADE CONSULTING | 307 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | EYEMED | $986 | — | $986 | 10.61% |
| BENEFITMALL3 Filed as: MATHER&STROHL ADMIN SVC-BENEFITMALL | 501 FAIRMOUNT AVE TOWSON, MD 21286 | EYEMED | $296 | — | $296 | 3.18% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 95 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 95 | $1.0M |
| Vision | EYEMED | 200 | $9K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $54K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $39K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 61 | $43K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.