| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 1.91% |
| ALAN J LEVIN3 | 20 W WASHINGTON STREET SUITE 301 HAGERSTOWN, MD 21740 | NORTHWESTERN MUTUAL | $31K | $8K | $38K | 5.57% |
| R TODD GRANDY3 | 307 INTERNATIONAL CIRCLE SUITE 310 HUNT VALLEY, MD 21030 | NORTHWESTERN MUTUAL | $18K | $8K | $26K | 3.75% |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT IODICE ASSOC LLC | 111 S CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $9K | $1K | $10K | 1.41% |
| DREW E SAMELSON3 | 213 W CORNSTOCK AVENUE SUITE 101 WINTER PARK, FL 32789 | NORTHWESTERN MUTUAL | — | $380 | $380 | 0.06% |
| DANIEL WISTED3 | 3440 PRESTON RIDGE ROAD SUITE 325 ALPHARETTA, GA 30005 | NORTHWESTERN MUTUAL | — | $180 | $180 | 0.03% |
| JOSHUA HAYES PARISH3 | 150 S EAST STREET SUITE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $56 | $90 | $146 | 0.02% |
| CULLEN DOUGLASS3 | 1600 DIVISION STREET SUITE 400 NASHVILLE, TN 37203 | NORTHWESTERN MUTUAL | — | $63 | $63 | 0.01% |
| NM HARRISBURG INC3 | 4431 N FRONT STREET SUITE 102 HARRISBURG, PA 17110 | NORTHWESTERN MUTUAL | $46 | $6 | $52 | 0.01% |
| SCOTT D BUTLER3 | 1101 WOOTTON PKWY SUITE 580 ROCKVILLE, MD 20852 | NORTHWESTERN MUTUAL | $11 | $21 | $32 | 0.00% |
| R TODD GRANDY3 | 307 INTERNATIONAL CIR. STE 310 HUNT VALLEY, MD 21030 | NORTHWESTERN MUTUAL | $2K | $477 | $2K | 2.67% |
| ALAN J LEVIN3 | 20 W WASHINGTON STREET SUITE 301 HAGERSTOWN, MD 21740 | NORTHWESTERN MUTUAL | $2K | $477 | $2K | 2.67% |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT IODICE ASSOC LLC | 111 S CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $568 | $68 | $636 | 0.72% |
| JOSHUA HAYES PARISH3 | 150 S EAST STREET SUITE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $189 | $68 | $257 | 0.29% |
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 | 2,378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 469 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 3,828 | $388K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,818 | $766K |
| Short-term disability | NORTHWESTERN MUTUAL | 62 | $89K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,818 | $1.5M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,818 | $766K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,828 | — |
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.