| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 575 S. CHARLES STREET-SUITE 300 BALTIMORE, MD 21201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $5K | $20K | 13.21% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD-STE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.12% |
| BRANDY BETSON3 | 1965 PARK PLACE BOCA RATON, FL 33486 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $990 | $6K | 9.60% |
| AMY LOUISE MYERS3 | 18211 MISTY ACRES DR HAGERSTOWN, MD 21740 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $114 | $3K | 5.56% |
| ELENA BOTELLO COLEMAN3 | 7312 YATES COURT MCCLEAN, VA 22101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $349 | $2K | 3.11% |
| JEFFREY MOTSCO3 | 15612 LINDEN GROVE LANE WOODBINE, MD 21797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $136 | $1K | 2.03% |
| JOHN BETSON3 | 1965 PARK PLACE BOCA RATON, FL 33486 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $807 | $138 | $945 | 1.61% |
| JEANENE MOTSCO3 | 15612 LINDEN GROVE LANE WOODBINE, MD 21797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $433 | $81 | $514 | 0.87% |
| KIMBERLY FERGUSON3 | 168 RIDGEWOOD DRIVE OAKLAND, MD 21550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | — | $57 | 0.10% |
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 | 439 | 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) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 439 | $153K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 439 | $153K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 439 | $212K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 65 | $59K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 439 | $153K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 439 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.