| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES INC | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | UNITEDHEALTHCARE INSURANCE COMPANY | $97K | — | $97K | 3.30% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 215 WASHINGTON AVENUE SUITE 400 TOWSON, MD 21204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 13.03% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 WEST SUSQUEHANNA AVENUE SUITE 400 TOWSON, MD 21204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 19.32% |
| MICHELLE LECKLITER3 Filed as: MICHELLE F LECKLITER | 10 LINDA LANE SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 9.23% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 7.03% |
| JOHN A LECKLITER3 | 10 LINDA LANE SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.41% |
| DREW SKIBITSKY3 Filed as: DREW M SKIBITSKY | 1000 FELL STREET APARTMENT 627 BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $436 | — | $436 | 0.60% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAMS INC. AN AO | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 12.40% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 WEST SUSQUEHANNA AVENUE SUITE 400 TOWSON, MD 21204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $269 | $5K | 9.73% |
| MWE SOLUTIONS MS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $261 | $4K | 8.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TEXAS HIGHWAY BLDG 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $180 | $180 | 0.39% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL SERVICES CORPORATION | 29 WEST SUSQUEHANNA AVENUE SUITE 400 TOWSON, MD 21204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $855 | $7K | 20.91% |
| MWE SOLUTIONS MS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $853 | $7K | 20.80% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. AN AO | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $197 | $28 | $225 | 0.70% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 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 | 617 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 500 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 500 | $3.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 500 | $3.0M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 627 | $281K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 627 | $234K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 627 | $234K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 627 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.