| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN J LEVIN3 | 1165 IMPERIAL DRIVE SUITE 100 HAGERSTOWN, MD 21740 | NORTHWESTERN MUTUAL | $64K | $26K | $90K | 11.32% |
| R TODD GRANDY3 | 111 S CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $29K | $10K | $39K | 4.91% |
| JOSHUA HAYES PARISH3 | 50 CITIZENS WAY SUITE 303 FREDERICK, ME 21701 | NORTHWESTERN MUTUAL | $7K | $9K | $16K | 2.00% |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT IODICE ASSOC LLC | 111 S CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $12K | $3K | $15K | 1.91% |
| DREW E SAMELSON3 | 1000 LEGION PLACE SUITE 1400 ORLANDO, FL 32801 | NORTHWESTERN MUTUAL | $0 | $278 | $278 | 0.03% |
| DANIEL WISTED3 | 3440 PRESTON RIDGE ROAD SUITE 325 ALPHARETTA, GA 30005 | NORTHWESTERN MUTUAL | $0 | $180 | $180 | 0.02% |
| SCOTT D BUTLER3 | 1101 WOOTTON PKWY SUITE 580 ROCKVILLE, MD 20852 | NORTHWESTERN MUTUAL | $30 | $49 | $79 | 0.01% |
| CULLEN DOUGLASS3 | 1600 DIVISION STREET SUITE 400 NASHVILLE, TN 37203 | NORTHWESTERN MUTUAL | $0 | $59 | $59 | 0.01% |
| JUSTIN R LAURIN3 | 707 17TH STREET SUITE 3700 DENVER, CO 80202 | NORTHWESTERN MUTUAL | $47 | $11 | $58 | 0.01% |
| RICHARD WORRELL LLC3 Filed as: RICHARD A DEVITA | 6235 MORRISON BLVD. CHARLOTTE, NC 28211 | NORTHWESTERN MUTUAL | $0 | $39 | $39 | 0.00% |
| NM HARRISBURG INC3 | 4431 N FRONT STREET SUITE 102 HARRISBURG, PA 17110 | NORTHWESTERN MUTUAL | $36 | $3 | $39 | 0.00% |
| BRIAN RUSSELL CUNNINGHAM3 | 707 17TH STREET SUITE 3700 DENVER, CO 80202 | NORTHWESTERN MUTUAL | $5 | $5 | $10 | 0.00% |
| TIMOTHY MICHAEL MULROY3 | 1500 QUAIL STREET SUITE 600 NEWPORT BEACH, CA 92660 | NORTHWESTERN MUTUAL | $1 | — | $1 | 0.00% |
| KEY INSURANCE & BENEFIT SERVICES3 | 6950 S TRANSIT ROAD LOCKPORT, NY 14094 | AETNA LIFE INSURANCE COMPANY | $57K | — | $57K | 8.97% |
| FREDERICK HEALTH SERVICES CORP3 | 470 PROSPECT BLVD. FREDERICK, MD 21701 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 1.93% |
| KEY INSURANCE & BENEFIT SERVICES3 | 726 EXCHANGE STREET SUITE 900 BUFFALO, NY 14210 | AMERITAS LIFE INSURANCE CORP | $13K | — | $13K | 3.51% |
| FREDERICK HEALTH SERVICES CORP3 | 400 W 7TH STREET FREDERICK, MD 21701 | AMERITAS LIFE INSURANCE CORP | $5K | — | $5K | 1.49% |
| ALAN J LEVIN3 | 1165 IMPERIAL DRIVE SUITE 100 HAGERSTOWN, MD 21740 | NORTHWESTERN MUTUAL | $2K | $414 | $2K | 3.26% |
| R TODD GRANDY3 | 111 S CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $769 | $196 | $965 | 1.42% |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT IODICE ASSOC LLC | 111 S CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $437 | $39 | $476 | 0.70% |
| JOSHUA HAYES PARISH3 | 50 CITIZENS WAY SUITE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $299 | $81 | $380 | 0.56% |
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 | 2,628 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 3,570 | $362K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 2,615 | $631K |
| Short-term disability | NORTHWESTERN MUTUAL | 64 | $68K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 2,615 | $1.4M |
| Other | AETNA LIFE INSURANCE COMPANY | 2,615 | $631K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,570 | — |
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.
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.