| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HMS INSURANCE ASSOCIATES INC3 | P.O. BOX 1750 COCKEYSVILLE, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 2.03% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES, INC. | P.O. BOX 1750 COCKEYSVILLE, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.49% |
| SCOTT R REBER3 | 20 WRIGHT AVENUE COCKEYSVILLE, MD 21030 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $34K | $1K | $35K | 4.94% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | GHMSI | $4K | — | $4K | 2.58% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES INC | PO BOX 1750 COCKEYSVILLE, MD 21030 | GHMSI | $2K | $2K | $4K | 2.31% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER & STROHL | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | GHMSI | — | $3K | $3K | 1.96% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES INC. | P.O. BOX 1750 COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.31% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 13.05% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES, INC. | PO BOX 1750 COCKEYSVILLE, MD 21030 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.26% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.29% |
| MICHAEL E RISKA3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.93% |
| SUSAN L MCCLANE3 | 555 CONCORD STREET UNIT D HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $637 | — | $637 | 0.83% |
| LISA M GROOM3 | 4 REVELSTONE DRIVE NEWARK, DE 19711 | TRANSAMERICA LIFE INSURANCE COMPANY | $624 | — | $624 | 0.81% |
| ROBERT S MAGEE3 | 571 OTSEGO STREET APARTMENT C HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $416 | — | $416 | 0.54% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES INC | 20 WIGHT AVENUE SUITE 300 COCKEYSVILLE, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 11.01% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 COCKEYSVILLE, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.99% |
| MCNEARY, INC.3 Filed as: MCNEARY INC. | 6525 MORRISON BOULEVARD CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $5K | — | $5K | 6.92% |
| HMS INSURANCE ASSOCIATES INC3 | PO BOX 1750 COCKEYSVILLE, MD 21030 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $2K | — | $2K | 3.08% |
| MCNEARY, INC.3 Filed as: MCNEARY INC | 6525 MORRISON BOULEVARD SUITE 200 CHARLOTTE, NC 28211 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.12% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INSURANCE ASSOCIATES | PO BOX 1750 COCKEYSVILLE, MD 21030 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.88% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.20% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES INC | 20 WIGHT AVENUE SUITE 300 COCKEYSVILLE, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.10% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 COCKEYSVILLE, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.90% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES INC | 20 WIGHT AVENUE SUITE 300 COCKEYSVILLE, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.19% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 COCKEYSVILLE, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.81% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES INC | PO BOX 1750 COCKEYSVILLE, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $802 | — | $802 | 7.68% |
| HMS INSURANCE ASSOCIATES INC3 | PO BOX 1750 COCKEYSVILLE, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $764 | — | $764 | 7.32% |
| HMS INSURANCE ASSOCIATES INC3 | PO BOX 1750 COCKEYSVILLE, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $802 | — | $802 | 8.35% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES INC | PO BOX 1750 COCKEYSVILLE, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $639 | — | $639 | 6.65% |
| SCOTT R REBER3 | 20 WRIGHT AVENUE COCKEYSVILLE, MD 21030 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $825 | — | $825 | 9.15% |
| HMS INSURANCE ASSOCIATES INC3 | PO BOX 1750 COCKEYSVILLE, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $643 | — | $643 | 7.52% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES INC | PO BOX 1750 COCKEYSVILLE, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $640 | — | $640 | 7.48% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INSURANCE ASSOCIATES, INC | PO BOX 1750 COCKEYSVILLE, MD 21030 | DOMINION NATIONAL | $273 | — | $273 | 3.60% |
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 | 472 | 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) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $1.9M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $157K |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 61 | $9K |
| Life insurance(4 contracts, 4 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 472 | $166K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 117 | $89K |
| Long-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $120K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $1.9M |
| Other(4 contracts, 4 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 472 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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.