| 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 | $21K | — | $21K | 2.01% |
| ALAN J LEVIN3 | 20 W WASHINGTON STREET SUITE 301 HAGERSTOWN, MD 21740 | NORTHWESTERN MUTUAL | $18K | $5K | $23K | 7.27% |
| R TODD GRANDY3 | 307 INTERNATIONAL CIRCLE SUITE 310 HUNT VALLEY, MD 21030 | NORTHWESTERN MUTUAL | $15K | $5K | $19K | 5.95% |
| JASON S BELL3 Filed as: JASON BELL | 307 INTERNATIONAL CIR. STE 310 HUNT VALLEY, MA 21030 | NORTHWESTERN MUTUAL | $10K | $3K | $13K | 3.96% |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT IODICE ASSOC LLC | 111 S CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $4K | $3K | $8K | 2.34% |
| DAVID WAYNE ZIEGLER3 | 307 INTERNATIONAL CIRCLE SUITE 310 HUNT VALLEY, MD 21030 | NORTHWESTERN MUTUAL | $1K | $2K | $3K | 0.99% |
| JOSHUA HAYES PARISH3 | 150 S EAST STREET SUITE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $537 | $369 | $906 | 0.28% |
| CULLEN DOUGLASS3 | 1600 DIVISION STREET SUITE 400 NASHVILLE, TN 37203 | NORTHWESTERN MUTUAL | $0 | $74 | $74 | 0.02% |
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 | 2,777 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 186 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 4,411 | $446K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,228 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,228 | $1.4M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,228 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,411 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.