| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN J LEVIN3 | 20 W WASHINGTON STREET SUITE 301 HAGERSTOWN, MD 21740 | NORTHWESTERN MUTUAL | $39K | $16K | $55K | 7.16% |
| R TODD GRANDY3 | 307 INTERNATIONAL CIRCLE SUITE 310 HUNT VALLEY, MD 21030 | NORTHWESTERN MUTUAL | $23K | $9K | $32K | 4.19% |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT IODICE ASSOC LLC | 111 S CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $14K | $2K | $16K | 2.08% |
| JOSHUA HAYES PARISH3 | 150 S EAST STREET SUITE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $4K | $2K | $6K | 0.80% |
| DREW E SAMELSON3 | 213 W CORNSTOCK AVENUE SUITE 101 WINTER PARK, FL 32789 | NORTHWESTERN MUTUAL | $0 | $343 | $343 | 0.04% |
| 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 | $24 | $42 | $66 | 0.01% |
| CULLEN DOUGLASS3 | 1600 DIVISION STREET SUITE 400 NASHVILLE, TN 37203 | NORTHWESTERN MUTUAL | $0 | $59 | $59 | 0.01% |
| NM HARRISBURG INC3 | 4431 N FRONT STREET SUITE 102 HARRISBURG, PA 17110 | NORTHWESTERN MUTUAL | $43 | $5 | $48 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 0.40% |
| R TODD GRANDY3 | 111 S CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $2K | $541 | $2K | 2.65% |
| ALAN J LEVIN3 | 20 W WASHINGTON STREET SUITE 301 HAGERSTOWN, MD 21740 | NORTHWESTERN MUTUAL | $2K | $489 | $2K | 2.59% |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT IODICE ASSOC LLC | 111 S CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $581 | $70 | $651 | 0.70% |
| JOSHUA HAYES PARISH3 | 150 S EAST STREET SUITE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $194 | $70 | $264 | 0.28% |
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 | 2,419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 456 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 3,935 | $420K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,815 | $720K |
| Short-term disability | NORTHWESTERN MUTUAL | 67 | $94K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 2,815 | $1.5M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,815 | $720K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,935 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.