| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $115K | — | $115K | 6.16% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC | 6 NORTH PARK DRIVE S 310 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $47K | $47K | 2.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 7900 WESTPARK DR MCLEAN, VA 22102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | $16K | $42K | 16.10% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS ROAD COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $7K | $21K | 8.17% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COURT ELLICOT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $342 | $9K | 3.53% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 1.57% |
| ERNESTO MCKENZIE JR3 | 9210 TOMS TRL LAUREL, MD 20723 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.54% |
| AMY E COHEN3 | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $994 | $115 | $1K | 0.43% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH RD UPPER MARLBORO, MD 20772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $969 | $90 | $1K | 0.41% |
| GUSTAVO TODE3 | 20607 DUCK POND PL GERMANTOWN, MD 20874 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $746 | $87 | $833 | 0.32% |
| EMLYN MARSTELLER IV3 Filed as: EMLYN MARSTELLER LV | 412 SUGARLAND MEADOW DR HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $555 | $45 | $600 | 0.23% |
| BROOKE HARMON3 | 70 LIVINGSTON RD POMARIA, SC 29126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $291 | $146 | $437 | 0.17% |
| ROBERT J VONGUNTEN3 | 10341 WOODSBORO ROAD WOODSBORO, MD 21798 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $421 | $7 | $428 | 0.16% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | $13 | $306 | 0.12% |
| GREG W WOOLLEY3 | 15492 CLIFFVIEW DR MONTCLAIR, VA 22026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $17 | $231 | 0.09% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM LOOP DR STE 200 CAMDEN, NJ 08103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | — | $225 | 0.09% |
| DAVID SCHENKEL JR3 Filed as: DAVID MATCHA | 11870 GRAND PARK AVE APT 802 ROCKVILLE, MD 20723 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $12 | $156 | 0.06% |
| KAREN LINDER-STAUBS3 | 2510 PROCTOR LANE BALTIMORE, MD 21234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.02% |
| MARCEY STEESE3 | 247 STEFAN DR APT 13 CHARLESTON, SC 29412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $16 | $34 | 0.01% |
| MARY DAUGHERTY3 | 7108 WEST CHERMONT CIRCLE KNOXVILLE, TN 37918 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| KIMBERLY FERGUSON3 | 168 RIDGEWOOD DRIVE OAKLAND, MD 21550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 NORTH PARK DRIVE S 310 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $11K | $6K | $17K | 23.00% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 346 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 346 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 346 | $1.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 233 | $74K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 233 | $74K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 346 | $1.9M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 233 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.