| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $40K | $17K | $57K | 17.05% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 3.28% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 1.67% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 8.64% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PKWY ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 7.59% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE MT. LAUREL, NJ 08054 | COLONIAL LIFE& ACCIDENT INSURANCE COMPANY | $85K | — | $85K | 480.55% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE& ACCIDENT INSURANCE COMPANY | $585 | $115 | $700 | 3.97% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 909 ROSE AVE N BETHESDA, MD 20852 | COLONIAL LIFE& ACCIDENT INSURANCE COMPANY | $233 | — | $233 | 1.32% |
| GREG W WOOLLEY3 Filed as: GREG W. WOOLLEY | 15492 CLIFFVIEW DRIVE MONTCLAIR, VA 22026 | COLONIAL LIFE& ACCIDENT INSURANCE COMPANY | $126 | $21 | $147 | 0.83% |
| DONNA ROSS SMITH3 | 2632 JUDES FERRY RD POWHATAN, VA 23139 | COLONIAL LIFE& ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.29% |
| TRACEY HAMILTON3 | 2098 ST JAMES ROAD MARRIOTTSVILLE, MD 21104 | COLONIAL LIFE& ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.20% |
| GUSTAVO TODE3 | 20607 DUCK POND PL GERMANTOWN, MD 20874 | COLONIAL LIFE& ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.14% |
| JEFFREY LEE LASKO3 | 218 POLARIS DRIVE WALKERSVILLE, MD 21793 | COLONIAL LIFE& ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.11% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE& ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $447 | — | $447 | 5.00% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 909 ROSE AVE N BETHESDA, MD 20852 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $308 | — | $308 | 3.45% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $112 | — | $112 | 3.43% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $51 | — | $51 | 1.56% |
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 | 805 | 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) | 805 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BUSINESS HEALTH SYSTEMS | 805 | $12K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 323 | $252K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 545 | $49K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 475 | $351K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 475 | $334K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 475 | $334K |
| Other | HARTFORD LIFE AND ACCIDENT | 475 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.