| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $14K | 9.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.03% |
| ANDERSON INC3 Filed as: ANDERSON, INC. | 69 DUTCH DRIVE CONOWINGO, MD 21918 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.79% |
| DICE INSURANCE INC3 Filed as: DICE INSURANCE, INC. | 38 BELMORE ROAD LUTHERVILLE, MD 21093 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $538 | — | $538 | 2.84% |
| BROOKS FINANCIAL GROUP, INC.3 | 1020 CROMWELL BRIDGE ROAD TOWSON, MD 21286 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $453 | — | $453 | 2.39% |
| TRACEY MATZ3 | 69 DUTCH DRIVE CONOWINGO, MD 21918 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $400 | — | $400 | 2.11% |
| JEFFREY MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $293 | $89 | $382 | 2.02% |
| MJ INSURANCE3 Filed as: RICHARD ANDREWS AND VARIOUS AGENTS | 3900 KLAUSMIER ROAD NOTTINGHAM, MD 21236 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.56% |
| GARY S. DUNCAN3 | 888 SOUTH STATE ROUTE 741 LEBANON, OH 45036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.56% |
| RICHARD J PRINCINSKY AND ASSOCIATES3 | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | VISION SERVICE PLAN | $721 | — | $721 | 7.66% |
| BERNARD L JESSUP III3 Filed as: BERNARD JESSUP III | 12 DELVIN TERRACE WILMINGTON, DE 19805 | AFLAC | $74 | — | $74 | 6.47% |
| FREDERICK W WILSON III3 Filed as: FREDERICK WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $41 | — | $41 | 3.58% |
| CHRIS WALKER3 | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $20 | — | $20 | 1.75% |
| FRANCES SHAFFER3 | 14025 TOWER ROAD SMITHBURG, MD 21783 | AFLAC | $12 | — | $12 | 1.05% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $152K |
| Vision | VISION SERVICE PLAN | 89 | $9K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $170K |
| Short-term disability | AFLAC | 2 | $1K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $152K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.