| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HMS INSURANCE ASSOCIATES INC3 | P.O. BOX 1750 COCKEYSVILLE, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 2.36% |
| FINANCIAL BENEFIT SERVICES INS LLC3 | 10 POST OFFICE RD SUITE 233 SILVER SPRING, MD 20910 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 1.14% |
| ARMANDO J DIFERDINANDO3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $45K | $500 | $45K | 4.78% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 COCKEYSVILLE, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.17% |
| FINANCIAL BENEFIT SERVICES LLC3 | 10 POST OFFICE ROAD SUITE 233 SILVER SPRING, MD 20910 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.83% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INS ASSOCIATION INC | 20 WIGHT AVE SUITE 300 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.90% |
| FINANCIAL BENEFIT SERVICES INS LLC3 | 10 POST OFFICE RD SUITE 233 SILVER SPRING, MD 20910 | METROPOLITAN LIFE INSURANCE COMPANY | $571 | $0 | $571 | 0.64% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INSURANCE ASSOCIATES INC. | SCOTT R REBER 20 WRIGHT AVENUE COCKEYSVILLE, MD 21030 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $6K | $0 | $6K | 8.06% |
| ARMANDO J DIFERDINANDO3 | 10 POST OFFICE RD SILVER SPRING, MD 20910 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $1K | $0 | $1K | 1.94% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.37% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES, INC. | PO BOX 1750 COCKEYSVILLE, MD 21030 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.18% |
| WESLEY K JOHNSON II3 | 8 REED CIRCLE RISING SUN, MD 21911 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.92% |
| MICHAEL E RISKA3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $244 | $0 | $244 | 0.38% |
| SUSAN L MCCLANE3 | 555 CONCORD STREET UNIT D HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $145 | $0 | $145 | 0.23% |
| ROBERT S MAGEE3 | 571 OTSEGO STREET APARTMENT C HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $132 | $0 | $132 | 0.21% |
| RANDY S SCHWARTZ3 | 16 PERHALL COURT NOTTINGHAM, MD 21236 | TRANSAMERICA LIFE INSURANCE COMPANY | $131 | $0 | $131 | 0.21% |
| LISA M GROOM3 | 4 REVELSTONE DRIVE NEWARK, DE 19711 | TRANSAMERICA LIFE INSURANCE COMPANY | $79 | $0 | $79 | 0.12% |
| FINANCIAL BENEFIT SERVICES INS LLC3 Filed as: FINANCIAL BENEFIT SERVICES INS. LLC | 10 POST OFFICE RD SUITE 233 SILVER SPRING, MD 20910 | TRANSAMERICA LIFE INSURANCE COMPANY | $36 | $0 | $36 | 0.06% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INSURANCE ASSOCIATES | PO BOX 1750 COCKEYSVILLE, MD 21030 | MONY LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | PO BOX 2291 DURHAM, NC 27702 | MONY LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 14.94% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INSURANCE ASSOCIATES, INC | PO BOX 1750 COCKEYSVILLE, MD 21030 | DOMINION NATIONAL | $747 | $0 | $747 | 6.89% |
| ARMANDO J DIFERDINANDO3 | 10 POST OFFICE RD SUITE 233 SILVER SPRING, MD 20910 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $1K | $0 | $1K | 9.93% |
| HMS INSURANCE ASSOCIATES INC3 | PO BOX 1750 COCKEYSVILLE, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| FINANCIAL BENEFIT SVCS INS LLC3 | 10 POST OFFICE RD SUITE 233 CAPITOL VIEW, MD 20910 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $517 | $0 | $517 | 5.00% |
| HMS INSURANCE ASSOCIATES INC3 | PO BOX 1750 COCKEYSVILLE, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $857 | $0 | $857 | 10.05% |
| FINANCIAL BENEFIT SVCS INS LLC3 | 10 POST OFFICE RD SUITE 233 CAPITOL VIEW, MD 20910 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $422 | $0 | $422 | 4.95% |
| HMS INSURANCE ASSOCIATES INC3 | PO BOX 1750 COCKEYSVILLE, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $767 | $0 | $767 | 10.02% |
| FINANCIAL BENEFIT SVCS INS LLC3 | 10 POST OFFICE RD SUITE 233 CAPITOL VIEW, MD 20910 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $381 | $0 | $381 | 4.98% |
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 | 420 | 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) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 420 | $2.0M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 335 | $174K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 335 | $100K |
| Life insurance(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 939 | $230K |
| Short-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $164K |
| Long-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $165K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 420 | $2.0M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 939 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 939 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.