| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNT & ASSOCIATES, INC.3 | 30 W GUDE DRIVE STE 210 ROCKVILLE, MD 20850 | GUARDIAN | $12K | — | $12K | 12.96% |
| VALERIE MITCHUM-WILLIAMS3 | 4108 HUPA PL RANDALLSTOWN, MD 21133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 9.75% |
| JEFFREY MOTSCO3 | 15612 LINDEN GROVE LN WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $73 | $260 | 0.70% |
| JEANENE MOTSCO3 | 15612 LINDEN GROVE LN WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $51 | $238 | 0.64% |
| MULANEY ENTERPRISES LLC3 Filed as: MULANEY ENTERPRISES, LLC | 5501 TWIN KNOLLS ROAD STE 106 COLUMBIA, MD 21045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.06% |
| DICE INSURANCE INC3 Filed as: DICE INSURANCE INC. | 5219 CASENTINO COURT MYRTLE BEACH, SC 29579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| MARK E WERNER II3 Filed as: MARK E. WERNER II | 4423 WYNN ROAD BALTIMORE, MD 21236 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.05% |
| COLLEEN A VOGAN3 Filed as: COLLEEN A. VOGAN | 5018 COBBLE STONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| BOBBY JACKSON3 | 19 TOMBER COURT BALTIMORE, MD 21207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| STEPAHNIE BARBER3 | 5314 EAST AVENUE BALTIMORE, MD 21206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SF&C INSURANCE ASSOCIATES INC3 Filed as: SF&C INSURANCE ASSOCIATES | 10075 RED RUN BLVD OWINGS MILLS, MD 21117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 1.99% |
| VALERIE MITCHUM-WILLIAMS | 4108 HUPA PL RANDALLSTOWN, MD 21133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 4.07% |
| JEANENE MOTSCO | 15612 LINDEN GROVE LN WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.30% |
| JEFFREY MOTSCO | 15612 LINDEN GROVE LN WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.30% |
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 | 347 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 39 | $40K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 39 | $37K |
| Long-term disability | GUARDIAN | 347 | $95K |
| Other | GUARDIAN | 347 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.