| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R TODD GRANDY3 | 307 INTERNATIONAL CIRCLE SUITE 310 HUNT VALLEY, MD 21030 | NORTHWESTERN MUTUAL | $20K | $9K | $29K | 7.80% |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT IODICE ASSOC LLC | 111 S CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $4K | $21K | $26K | 6.82% |
| ALAN J LEVIN3 | 20 W WASHINGTON STREET SUITE 301 HAGERSTOWN, MD 21740 | NORTHWESTERN MUTUAL | $17K | $5K | $21K | 5.64% |
| JASON S BELL3 | 307 INTERNATIONAL CIR. STE 310 HUNT VALLEY, MA 21030 | NORTHWESTERN MUTUAL | $5K | $2K | $8K | 2.04% |
| DAVID WAYNE ZIEGLER3 | 307 INTERNATIONAL CIRCLE SUITE 310 HUNT VALLEY, MD 21030 | NORTHWESTERN MUTUAL | $3K | $4K | $6K | 1.70% |
| JOSHUA HAYES PARISH3 | 150 S EAST STREET SUITE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $2 | $0 | $2 | 0.00% |
| SF&C SELECT BENEFITS COMMUNICATIONS3 | 10075 RED RUN BLVD STE 550 OWINGS MILLS, MD 21117 | TRANSAMERICA LIFE INSURANCE COMPANY | $36K | $0 | $36K | 13.74% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SELECT BNFT COMMUNICATION GRP | 10075 RED RUN BLVD SUITE 550 OWINGS MILLS, MD 21117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29K | $0 | $29K | 14.10% |
| KERSZL DOUGLAS3 | 940 WEST VALLEY ROAD SUITE 1301 WAYNE, PA 19087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.12% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SF&C SELECT BENEFITS COMM GRP | — | COMBINED INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 18.89% |
| FRANK P DOHERTY3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $729 | $0 | $729 | 0.86% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SELECT BENEFITS COMM GRP | 10075 RED RUN BLVD. STE 550 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 25.50% |
| US NATIONAL BENEFIT PARTNERS3 | 99 WOOD AVENEUE SOUTH SUITE 501 ISELIN, NJ 08830 | SYMETRA LIFE INSURANCE COMPANY | $0 | $855 | $855 | 2.06% |
| ELM STREET CAPITAL LLC3 | 5906 CARDINAL LAKE DRIVE GREENSBORO, NC 27410 | SYMETRA LIFE INSURANCE COMPANY | $0 | $772 | $772 | 1.86% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $0 | $125 | 1.24% |
| VOLUNTARY BENEFITS SYSTEMS, INC.3 | 2918 EBBWOOD DR ELLICOTT CITY, MD 21042 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | $0 | $49 | 0.49% |
| ANDREW PAUL WILSON3 | 164 W MAIN ST STE F NEW MARKET, MD 21774 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.35% |
| THOMAS M KOZLOWSKI3 | 164 W MAIN ST STE F NEW MARKET, MD 21774 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.32% |
| SERAFINI FINANCIAL SERVICES INC3 | 1110 OPAL CT STE 1 HAGERSTOWN, MD 21740 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.32% |
| KATHERINE WATTS BULLOCK3 | PO BOX 998 CHAPIN, SC 29036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.11% |
| SANDRA D OZMENT3 | 1608 OAK ST GREENSBORO, NC 27403 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.07% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $192 | $0 | $192 | 2.84% |
| THOMAS M KOZLOWSKI3 | 164 W MAIN ST STE F NEW MARKET, MD 21774 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29 | $0 | $29 | 0.43% |
| ANDREW PAUL WILSON3 | 164 W MAIN ST STE F NEW MARKET, MD 21774 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29 | $0 | $29 | 0.43% |
| ANDREW A SERAFINI3 | 1110 OPAL CT STE 1 HAGERSTOWN, MD 21740 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29 | $0 | $29 | 0.43% |
| SANDRA D OZMENT3 | 1608 OAK ST GREENSBORO, NC 27403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12 | $0 | $12 | 0.18% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SF&C SELECT BENEFITS | 10075 RED RUN BLVD. STE 550 OWINGS MILLS, MD 21117 | LEGALPLANS, USA | $0 | $587 | $587 | 10.02% |
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 | 3,648 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 4,979 | $420K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,568 | $915K |
| Short-term disability | COMBINED INSURANCE COMPANY OF AMERICA | 194 | $85K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,482 | $924K |
| Other(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,568 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,979 | — |
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.