| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $1K | $32K | 8.12% |
| 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 | $12K | $7K | $19K | 11.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $554 | — | $554 | 0.35% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.02% |
| BROOKS FINANCIAL GROUP, INC.3 Filed as: BROOKS FINANCIAL GROUP INC. | 1020 CROMWELL BRIDGE ROAD TOWNSON, MD 21286 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $382 | — | $382 | 2.30% |
| JEFFREY MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $225 | $53 | $278 | 1.67% |
| DICE INSURANCE INC3 Filed as: DICE INSURANCE INC. | 5219 CASENTINO COURT MYRTLE BEACH, SC 29579 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 0.81% |
| GARY S. DUNCAN3 Filed as: GARY DUNCAN | 888 SOUTH STATE ROUTE 741 LEBANON, OH 45036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.58% |
| MJ INSURANCE3 Filed as: DAVID L. SMELCER AND VARIOUS AGENTS | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 0.23% |
| WILLIAM T. DUNCAN3 | 2209 LINEN AVENUE MIDDLETOWN, OH 45044 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.18% |
| RICHARD J PRINCINSKY AND ASSOCIATES3 | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | VISION SERVICE PLAN | $500 | — | $500 | 4.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | VISION SERVICE PLAN | $257 | — | $257 | 2.42% |
| BERNARD L JESSUP III3 Filed as: BERNARD JESSUP III | 4 MOODY PLACE NEWARD, DE 19702 | AFLAC | $62 | — | $62 | 6.40% |
| FREDERICK W WILSON III3 Filed as: FREDERICK WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $34 | — | $34 | 3.51% |
| CHRIS WALKER3 | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $17 | — | $17 | 1.76% |
| FRANCES SHAFFER3 | 14025 TOWER ROAD SMITHBURG, MD 21783 | AFLAC | $10 | — | $10 | 1.03% |
| JAMES M PITZ3 Filed as: JAMES PITZ | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $2 | — | $2 | 0.21% |
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 |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $390K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $160K |
| Vision | VISION SERVICE PLAN | 94 | $11K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $176K |
| Short-term disability | AFLAC | 2 | $968 |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $160K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $390K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $177K |
| 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."
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.