| 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 | $20K | — | $20K | 1.70% |
| ALAN J LEVIN3 | 20 W WASHINGTON STREET SUITE 301 HAGERSTOWN, MD 21740 | NORTHWESTERN MUTUAL | $25K | $6K | $31K | 7.86% |
| R TODD GRANDY3 | 307 INTERNATIONAL CIRCLE SUITE 310 HUNT VALLEY, MD 21030 | NORTHWESTERN MUTUAL | $20K | $7K | $27K | 6.81% |
| JASON S BELL3 Filed as: JASON BELL | 307 INTERNATIONAL CIR. STE 310 HUNT VALLEY, MA 21030 | NORTHWESTERN MUTUAL | $15K | $5K | $20K | 5.11% |
| DAVID WAYNE ZIEGLER3 | 307 INTERNATIONAL CIRCLE SUITE 310 HUNT VALLEY, MD 21030 | NORTHWESTERN MUTUAL | $3K | $6K | $10K | 2.48% |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT IODICE ASSOC LLC | 111 S CALVERT STREET SUITE 2500 BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $4K | $4K | $8K | 2.01% |
| JOSHUA HAYES PARISH3 | 150 S EAST STREET SUITE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $97 | $50 | $147 | 0.04% |
| CULLEN DOUGLASS3 | 1600 DIVISION STREET SUITE 400 NASHVILLE, TN 37203 | NORTHWESTERN MUTUAL | $0 | $84 | $84 | 0.02% |
| DOUGLAS A KRESZL3 | 99 WOOD AVENUE SOUTH STE 501 ISELIN, NJ 08830 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | $36K | — | $36K | 14.16% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SF&C SELECT BENEFITS COMM GRP | 10075 RED RUN BLVD. OWINGS MILLS, MD 21117 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | $36K | — | $36K | 14.16% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SELECT BNFT COMMUNICATION GRP | 10075 RED RUN BLVD. STE 550 OWINGS MILLS, MD 21117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | — | $25K | 14.35% |
| FRANK P DOHERTY3 | PO BOX 916 DEVON, PA 19333 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.13% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SF&C SELECT BENEFITS COMM GRP | 10075 RED RUN BLVD. OWINGS MILLS, MA 21117 | COMBINED INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 14.23% |
| FRANK P DOHERTY3 | 99 WOOD AVENUE SOUTH STE 501 ISELIN, NJ 08830 | COMBINED INSURANCE COMPANY OF AMERICA | $263 | — | $263 | 0.33% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SF&C SELECT BENEFITS | 10075 RED RUN BLVD. STE 550 OWINGS MILLS, MD 21117 | SYMETRA LIFE INSURANCE COMPANY | $7K | $2K | $8K | 24.87% |
| ELM STREET CAPITAL LLC3 | 5906 CARDINAL LAKE DRIVE GREENSBORO, NC 27410 | SYMETRA LIFE INSURANCE COMPANY | — | $6K | $6K | 18.12% |
| US NATIONAL BENEFIT PARTNERS WEST3 Filed as: U.S. NATIONAL BENEFIT PARTNERS | 99 WOOD AVE. S STE 501 ISELIN, NJ 08830 | SYMETRA LIFE INSURANCE COMPANY | — | $92 | $92 | 0.28% |
| SF&C SELECT BENEFITS COMM GROUP3 Filed as: SF&C SELECT BENEFITS | 10075 RED RUN BLVD. STE 550 OWINGS MILLS, MD 21117 | LEGALPLANS, USA | $266 | — | $266 | 9.99% |
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 | 2,204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 212 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | 0 | $253K |
| Vision | AMERITAS LIFE INSURANCE CORP | 4,569 | $504K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,388 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | 209 | $332K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,388 | $1.6M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,388 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,569 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.