| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAVIN, KEVIN3 | 739 CHAPEL RIDGE ROAD LUTHERVILLE, MD 21093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | — | $18K | 9.21% |
| AVERY HALL BENEFIT SOLUTIONS INC3 | 312 E MAIN ST PO BOX 2317 SALISBURY, MD 21801 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 3.15% |
| KEVIN GAVIN3 | 739 CHAPEL RIDGE RD LUTHERVILLE, MD 21093 | DELTA DENTAL OF DELAWARE | $2K | — | $2K | 2.54% |
| AVERY HALL BENEFIT SOLUTIONS INC3 Filed as: AVERY HALL BENEFIT SOLUTIONS | PO BOX 2317 SALISBURY, MD 21801 | DELTA DENTAL OF DELAWARE | $1K | — | $1K | 1.40% |
| TIDEWATER BENEFIT SYSTEMS LLC3 | 739 CHAPEL RIDGE RD LUTHERVILLE, MD 210931898 | DELTA DENTAL OF DELAWARE | $776 | — | $776 | 1.06% |
| TIDEWATER BENEFIT SYSTEMS LLC3 Filed as: TIDEWATER BENEFIT SYSTEMS, LLC | 739 CHAPEL RIDGE ROAD LUTHERVILLE, MD 210931898 | VISION SERVICE PLAN | $2K | — | $2K | 3.02% |
| AVERY HALL BENEFIT SOLUTIONS INC3 Filed as: AVERY HALL BENEFIT SOLUTIONS, INC. | PO BOX 2317 SALISBURY, MD 218022317 | VISION SERVICE PLAN | $328 | — | $328 | 0.63% |
| GAVIN, KEVIN3 | 739 CHAPEL RIDGE ROAD LUTHERVILLE, MD 21093 | RELIANCE STANDARD INSURANCE COMPANY | $3K | — | $3K | 11.70% |
| AVERY HALL BENEFIT SOLUTIONS INC3 | 312 E MAIN ST PO BOX 2317 SALISBURY, MD 21801 | RELIANCE STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.61% |
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 | 1,235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF DELAWARE | 238 | $73K |
| Vision | VISION SERVICE PLAN | 536 | $52K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 686 | $197K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 157 | $23K |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 830 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 830 | — |
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.