| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | DELTA DENTAL OF PENNSYLVANIA | $9K | — | $9K | 10.41% |
| MULLANEY ENTERPRISES LLC3 Filed as: MULLANEY ENTERPRISES | 5501 TWIN KNOLLS RD COLUMBIA, MD 21045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $5K | $10K | 15.02% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 145 W. OSTEND ST. SUITE 200 BALTIMORE, MD 21230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.02% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $35 | $3K | 4.99% |
| ASSORTED COLONIAL BROKERS3 | — | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $337 | $3K | 4.88% |
| KAREN LINDER-STAUBS3 | 2510 PROCTOR LANE BALTIMORE, MD 21234 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $297 | $1K | 2.19% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETVILLE, AR 72701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $473 | $605 | $1K | 1.69% |
| ZACHARY A FOWL3 | 10 BRENDA STREET PORT DEPOSIT, MD 21904 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $962 | $32 | $994 | 1.55% |
| MULLANEY ENTERPRISES LLC3 Filed as: MULLANEY ENTERPRISES | 5501 TWIN KNOLLS RD COLUMBIA, MD 21045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $3K | $5K | 19.00% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 145 W. OSTEND ST. SUITE 200 BALTIMORE, MD 21230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.58% |
| ASSORTED COLONIAL BROKERS3 | — | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $227 | $1K | 4.85% |
| ROBERT VONGUNTEN3 | 10341 WOODSBORO ROAD WOODSBORO, MD 21789 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $162 | $1K | 4.52% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $7 | $1K | 3.58% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETVILLE, AR 72701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $300 | $384 | $684 | 2.37% |
| ZACHARY A FOWL3 | 10 BRENDA STREET PORT DEPOSIT, MD 21904 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $446 | $18 | $464 | 1.61% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS | 145 W. OSTEND ST. SUITE 200 BALTIMORE, MD 21230 | VISION SERVICE PLAN | $736 | — | $736 | 5.06% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W. OSTEND ST. SUITE 200 BALTIMORE, MD 21230 | VISION SERVICE PLAN | $178 | — | $178 | 1.22% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | SYMETRA LIFE INSURANCE COMPANY | $382 | $114 | $496 | 10.64% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 55402 | SYMETRA LIFE INSURANCE COMPANY | — | $3 | $3 | 0.06% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 317 | $89K |
| Vision | VISION SERVICE PLAN | 90 | $15K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 233 | $97K |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 49 | $93K |
| Long-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 49 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.