| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT INC. | 6550 ROCK SPRING DRIVE SUITE 610 BETHESDA, MD 20817 | GHMSI/CAREFIRST BLUECHOICE | $23K | $68 | $23K | 2.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 6550 ROCK SPRING DRIVE SUITE 610 BETHESDA, MD 20817 | GHMSI/CAREFIRST BLUECHOICE | $19K | — | $19K | 1.85% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 6550 ROCK SPRING DERIVE, STE 610 BETHESDA, MD 20817 | UNION SECURITY INSURANCE COMPANY | $19K | — | $19K | 10.41% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT INC. | 6430 ROCKLEDGE DR BETHESDA, MD 20817 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 17.60% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO RD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 15.76% |
| GASTAVO TODE3 | 20607 DUCK POND PL GERMANTOMN, MD 20874 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $129 | $1K | 4.89% |
| IRIS DOYLE3 | 1050 LAKE CAROLYN PARKWAY IRVING, TX 75039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $129 | $1K | 4.78% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 6550 ROCK SPRING DRIVE BETHESDA, MD 20817 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $985 | — | $985 | 3.21% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COUNT ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $311 | $45 | $356 | 1.16% |
| ERNESTO MCKENZIE JR3 | 8618 CHESTNUT RIDGE DR LAUREL, MD 20707 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $324 | $26 | $350 | 1.14% |
| LILIENFIELD & ASSOCIATES LLC3 | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $77 | $276 | 0.90% |
| MILVIA KARINA LAGARDA3 | PO BOX 3362 GAITHERSBURG, MD 20885 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $276 | — | $276 | 0.90% |
| GABRIEL HOLGUIN3 | 2807 GRATTON ST RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $58 | $251 | 0.82% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL F FAHEY LII | 411 AVENIDA ADOBE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $25 | $53 | 0.17% |
| GOLD RIVER FINANCIAL GROUP LLC3 | 2807 GRATTON ST RIVERSIDE, CA 92504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $9 | $51 | 0.17% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES, INC. | 6 NORTH PARK DRIVE HUNT VALLE, MD 21030 | EYEMED VISION CARE | — | $228 | $228 | 2.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 6430 ROCK LEDGE DR., SUITE 504 BETHESDA, MD 20817 | EYEMED VISION CARE | $205 | — | $205 | 1.83% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6430 ROCK LEDGE DR., SUITE 504 BETHESDA, MD 20817 | EYEMED VISION CARE | $61 | — | $61 | 0.54% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DRIVE #610 BETHESDA, MD 20817 | EYEMED VISION CARE | $53 | — | $53 | 0.47% |
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 | 299 | 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) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI/CAREFIRST BLUECHOICE | 231 | $1.0M |
| Dental | UNION SECURITY INSURANCE COMPANY | 299 | $182K |
| Vision | EYEMED VISION CARE | 172 | $11K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 299 | $182K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 299 | $182K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 299 | $182K |
| Prescription drug | GHMSI/CAREFIRST BLUECHOICE | 231 | $1.0M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 299 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.