| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CFA LLC5 | 1501 S CLINTON STREET BALTIMORE, MD 21224 | SYMETRA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.49% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | DELTA DENTAL OF PENNSYLVANIA | $7K | — | $7K | 8.35% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | DELTA DENTAL OF PENNSYLVANIA | $1K | — | $1K | 1.65% |
| MULLANEY ENTERPRISES LLC3 Filed as: MULLANEY ENTERPRISES | 5501 TWIN KNOLLS RD COLUMBIA, MD 21045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $718 | $3K | 5.17% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.51% |
| 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 | 2.48% |
| ZACHARY A FOWL3 | 10 BRENDA STREET PORT DEPOSIT, MD 21904 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $564 | — | $564 | 0.90% |
| KAREN LINDER-STAUBS3 | 2510 PROCTOR LANE BALTIMORE, MD 21234 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $289 | $32 | $321 | 0.51% |
| ROBERT J VONGUNTEN3 | 10341 WOODSBORO ROAD WOODSBORO, MD 21798 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $245 | $7 | $252 | 0.40% |
| CESAR V. GOLDMAN3 Filed as: CESAR A SORTO | 8 SHERMAN CIRCLE SOMERSET, NJ 08873 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $240 | — | $240 | 0.38% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETVILLE, AR 72701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $197 | $19 | $216 | 0.34% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $78 | $7 | $85 | 0.14% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH RD UPPER MARLBORO, MD 20772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.12% |
| GREG W WOOLLEY3 | 15492 CLIFFVIEW DR MONTCLAIR, VA 22026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.09% |
| GUSTAVO TODE3 | 20607 DUCK POND PL GERMANTOWN, MD 20874 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $1 | $44 | 0.07% |
| KIMBERLY FERGUSON3 | 168 RIDGEWOOD DRIVE OAKLAND, MD 21550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $2 | $30 | 0.05% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NH 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $16 | $29 | 0.05% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $2 | $24 | 0.04% |
| DOUGLAS A D'ASCOLI3 | 35710 CLAMSHELL CIR SELBYVILLE, DE 19975 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| SHEILA A SHELL3 | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| SHAWN MARIE KING3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $9 | $18 | 0.03% |
| MARK CHRISTOPHER MOTZ3 | 85 EPERNAY AVENUE PATASKALA, OH 43062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $1 | $17 | 0.03% |
| GARY D DAVIS3 | 1 ARCTURUS DR SEWELL, NJ 08080 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $3 | $14 | 0.02% |
| ANDREW SILBERT3 Filed as: ANDREW M SILBERT | 195 FAIRFIELD AVE WEST CALDWELL, NJ 07006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $2 | $13 | 0.02% |
| ERNESTO MCKENZIE JR3 | 8293 WB AND A RD SEVERN, MD 21144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.01% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 0.01% |
| JASON PAUL CAMPBELL3 | 1816 PIEDMONT HILLS PL CHARLOTTE, NC 28217 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HWY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.00% |
| J AUSTIN BAKER3 | 495 TENNESSEE ST UNIT 701 MEMPHIS, TN 38103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ALFRED CLIFFORD3 | 6012 SLIPPERY ROCK DR COLUMBUS, OH 43229 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MULLANEY ENTERPRISES LLC3 Filed as: MULLANEY ENTERPRISES | 5501 TWIN KNOLLS RD COLUMBIA, MD 21045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $985 | $409 | $1K | 7.24% |
| 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 | $759 | — | $759 | 3.94% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH STREET MINNEAPOLIS, MN 55402 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $670 | — | $670 | 3.48% |
| ZACHARY A FOWL3 | 10 BRENDA STREET PORT DEPOSIT, MD 21904 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $272 | — | $272 | 1.41% |
| ROBERT VONGUNTEN3 | 10341 WOODSBORO ROAD WOODSBORO, MD 21789 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $187 | $6 | $193 | 1.00% |
| AMY E COHEN3 | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $132 | $22 | $154 | 0.80% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FAYETVILLE, AR 72701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $104 | $11 | $115 | 0.60% |
| SHAWN MARIE KING3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $33 | $68 | 0.35% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $6 | $67 | 0.35% |
| STERLING INSURANCE CONCEPTS3 Filed as: STERLING INSURANCE CONCEPTS INC | 902 E COUNTY LINE RD STE 202 LAKEWOOD, NJ 08701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.18% |
| PAMELA E JONES3 | 55 SHORELINE DR COLUMBIA, SC 29229 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $27 | $5 | $32 | 0.17% |
| MARC MAURICIO MORROW3 | 3431 RAYFORD RD SPRING, TX 77386 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $3 | $29 | 0.15% |
| MCO PARTNERS LLC3 | 6 LATHROP AVE MADISON, NJ 07940 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.11% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH RD UPPER MARLBORO, MD 20772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.11% |
| DOUGLAS A D'ASCOLI3 | 35710 CLAMSHELL CIR SELBYVILLE, DE 19975 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.09% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY INSURANCE INC | 123 PINE VALLEY DR MIDDLETOWN, DE 19709 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.08% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $6 | $15 | 0.08% |
| CESAR V. GOLDMAN3 Filed as: CESAR A SORTO | 8 SHERMAN CIRCLE SOMERSET, NJ 08873 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.06% |
| KIMBERLY FERGUSON3 | 168 RIDGEWOOD DRIVE OAKLAND, MD 21550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $1 | $12 | 0.06% |
| J AUSTIN BAKER3 | 495 TENNESSEE ST UNIT 701 MEMPHIS, TN 38103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $1 | $9 | 0.05% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| DEIRDRE B HOEHN3 | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DR LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.04% |
| JASON PAUL CAMPBELL3 | 1816 PIEDMONT HILLS PL CHARLOTTE, NC 28217 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.03% |
| DANIEL MARTIN ROMAN3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.02% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.02% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $2 | $3 | 0.02% |
| THOMAS SNYDER3 | 9385 MILLER LANE GARDEN RIDGE, TX 78266 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| MICHAEL ANTHONY CHANDLER3 | 9839 COMMON LAW CONVERSE, TX 78109 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W. OSTEND ST. SUITE 200 BALTIMORE, MD 21230 | VISION SERVICE PLAN | $1K | — | $1K | 5.61% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | SYMETRA LIFE INSURANCE COMPANY | $442 | $184 | $626 | 11.89% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS | 145 W. OSTEND ST. STE 200 BALTIMORE, MD 21230 | SYMETRA LIFE INSURANCE COMPANY | $169 | — | $169 | 3.21% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 308 | $86K |
| Vision | VISION SERVICE PLAN | 118 | $19K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 204 | $87K |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 46 | $82K |
| Long-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 46 | $82K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 213 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.
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.