| 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 | $2K | $24K | $26K | 2.40% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 S CHARLES ST - STE 300 BALTIMORE, MD 21201 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $16K | $17K | 1.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVE-STE 400 TOWSON, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.61% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS. INDUSTRIES, INC. | 307 INTERNATIONAL CIR - #610 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $906 | $6K | 12.10% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SCS INC | 501 FAIRMOUNT AVE - #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.86% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES ST - #300 BALTIMORE, MD 21201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.69% |
| 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 | 6.93% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS. INDUSTRIES INC. | 307 INTERNATIONAL CIRCLE - #610 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $839 | $2K | 5.37% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES ST - #300 BALTIMORE, MD 21201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.16% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS.INDUSTRIES INC. | 307 INTERNATONAL CIR - #610 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $708 | $3K | 8.65% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE-#400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.89% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES ST - #300 BALTIMORE, MD 21201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.40% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INS. INDUSTRIES INC. | 307 INTERNATIONAL CIRCLE- #610 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $451 | $4K | 12.23% |
| 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 | — | $2K | $2K | 6.86% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD | 575 SOUTH CHARLES ST - #300 BALTIMORE, MD 21201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.42% |
| MCQUADE CONSULTING LLC3 Filed as: MCQUADE CONSULTING | 307 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | EYEMED | $665 | — | $665 | 6.13% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE BENEFIT SERVICES OF MD INC | 575 S CHARLES ST - #300 BALTIMORE, MD 21201 | EYEMED | $638 | — | $638 | 5.88% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER&STROHL ADMIN SRVC-BENEFITMAL | 501 FAIRMOUNT AVE TOWSON, MD 21286 | EYEMED | $199 | — | $199 | 1.83% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $1.1M |
| Vision | EYEMED | 211 | $11K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $65K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 61 | $49K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $1.1M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.