| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 1203 HUNT VALLEY, MD 21031 | CAREFIRST OF MARYLAND, INC. | $0 | $57K | $57K | 4.65% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $1K | $8K | 11.80% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 9.70% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $851 | $0 | $851 | 6.68% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 2.31% |
| GARY S. DUNCAN3 | 888 SOUTH STATE ROUTE 741 LEBANON, OH 45036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 1.46% |
| BROOKS FINANCIAL GROUP, INC.3 Filed as: BROOKS FINANCIAL GROUP INC | 1020 CROMWELL BRIDGE ROAD TOWSON, MD 21286 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.51% |
| WILLIAM T. DUNCAN3 | 2209 LINDEN AVENUE MIDDLETOWN, OH 45044 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.44% |
| DAVID L SMELCER3 Filed as: DAVID LEE SMELCER | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.24% |
| JEFFREY MOTSCO3 | 15612 LINDEN GROVE LANE WOODBINE, MD 21797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.24% |
| DICE INSURANCE INC3 | 5219 CASENTINO COURT MYRTLE BEACH, SC 29579 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.14% |
| BERNARD L JESSUP III3 Filed as: BERNARD L. JESSUP III | 44 KULLEN DRIVE NEWARK, DE 19713 | AFLAC | $68 | $0 | $68 | 6.44% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARD, DE 19713 | AFLAC | $37 | $0 | $37 | 3.50% |
| CHRIS WALKER3 Filed as: CHRIS (JOHN) WALKER | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $18 | $0 | $18 | 1.70% |
| KENNETH B COFER3 Filed as: KENNETH B. COFER | 5950 SYMPHONEY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $11 | $0 | $11 | 1.04% |
| JAMES M PITZ3 Filed as: JAMES M. PITZ | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $2 | $0 | $2 | 0.19% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 110 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $58K |
| Vision | VISION SERVICE PLAN | 87 | $13K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $67K |
| Short-term disability | AFLAC | 2 | $1K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $64K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 110 | $1.2M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 161 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.