| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 1200 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $0 | $30K | 6.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 8.92% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $8K | 11.22% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 1200 HUNT VALLEY, MD 21031 | VISION SERVICE PLAN | $763 | $0 | $763 | 5.74% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $197 | $0 | $197 | 1.48% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $133 | $0 | $133 | 3.17% |
| BROOKS FINANCIAL GROUP, INC.3 Filed as: BROOKS FINANCIAL GROUP INC. | 1020 CROMWELL BRIDGE ROAD TOWSON, MD 21286 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.95% |
| GARY S. DUNCAN3 | 888 SOUTH STATE, ROUTE 741 LEBANON, OH 45036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $0 | $39 | 0.93% |
| JEFFREY MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.40% |
| WILLIAM T. DUNCAN3 | 2209 LINDEN AVENUE MIDDLETOWN, OH 45044 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.29% |
| DEVID LEE SMELCER3 | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.17% |
| DICE INSURANCE INC3 Filed as: DICE INSURANCE INC. | 5219 CASENTINO COURT MYRTLE BEACH, SC 29579 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.07% |
| BERNARD L JESSUP III3 | 4 MOODY PLACE NEWARK, DE 19702 | AFLAC | $74 | $0 | $74 | 6.47% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W WILSON II | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $41 | $0 | $41 | 3.58% |
| CHRIS WALKER3 Filed as: CHRIS JOHN WALKER | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $20 | $0 | $20 | 1.75% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $12 | $0 | $12 | 1.05% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $2 | $0 | $2 | 0.17% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $500K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $69K |
| Vision | VISION SERVICE PLAN | 109 | $13K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $77K |
| Short-term disability | AFLAC | 2 | $1K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $73K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $500K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 251 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.