| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVENUE TOWSON, MD 21204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $77 | $4K | 16.83% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS,INC. | 6 NORTH PARK DRIVE HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.51% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVENUE TOWSON, MD 21204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $113 | $4K | 17.80% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS,INC. | 6 NORTH PARK DRIVE HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.78% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVENUE TOWSON, MD 21204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $76 | $4K | 17.01% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS,INC. | 6 NORTH PARK DRIVE HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.57% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS INC | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 WEST SUSQUEHANNA AVENUE SUITE 400 TOWSON, MD 21204 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BULDING II SUITE 600 AUSTIN, TX 78746 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $109 | $109 | 0.62% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS INC | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 WEST SUSQUEHANNA AVENUE SUITE 400 TOWSON, MD 21204 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BULDING II SUITE 600 AUSTIN, TX 78746 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $73 | $73 | 0.52% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS INC | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 29 WEST SUSQUEHANNA AVENUE SUITE 400 TOWSON, MD 21204 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BULDING II SUITE 600 AUSTIN, TX 78746 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $70 | $70 | 0.55% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC. | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $469 | — | $469 | 4.24% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVENUE TOWSON, MD 21204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $401 | $8 | $409 | 16.94% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 6 NORTH PARK DRIVE HUNT VALLEY, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $134 | $134 | 5.55% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $1.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 157 | $24K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 157 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 37 | $24K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 157 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.