| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JON S FRANK & ASSOCIATES INC3 Filed as: JON S FRANK & ASSOC INC | 205 WEST DARES RD PRINCE FREDERICK, MD 20678 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 6200 CANOGA AVE SUITE 300 WOODLAND HILLS, CA 91367 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.00% |
| JON S FRANK & ASSOCIATES INC3 Filed as: JON S FRANK AND ASSOCIATES INC | 205 W DARES BEACH RD PRINCE FREDERICK, MD 20678 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 9.59% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMONT AVENUE TOWSON, ME 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.01% |
| ISI OF MARYLAND LLC3 | 151 WEST ST STE 303 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $535 | — | $535 | 0.95% |
| JON S FRANK & ASSOCIATES INC3 Filed as: JON S FRANK AND ASSOCIATES INC | 205 W DARES BEACH RD PRINCE FREDERICK, MD 20678 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $741 | $4K | 14.02% |
| ISI OF MARYLAND LLC3 Filed as: ISI OF MARYLAND | 151 WEST STREET SUITE 303 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.74% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $811 | $811 | 3.00% |
| JON S FRANK & ASSOCIATES INC3 Filed as: JON S FRANK AND ASSOC INC | 205 W DARE BEACH RD PRINCE FREDERICK, MD 20678 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $767 | $3K | 10.71% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE SUITE 400 TOWSON, ME 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $735 | $735 | 3.01% |
| ISI OF MARYLAND LLC3 Filed as: ISI OF MARYLAND INC | 151 WEST ST STE 303 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $601 | — | $601 | 2.46% |
| JON S FRANK & ASSOCIATES INC3 Filed as: JON S FRANK AND ASSOC INC | 205 W DARE BEACHES RD PRICE FREDERICK, ME 20678 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $703 | $3K | 13.95% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMONT AVE SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $686 | $686 | 3.01% |
| ISI OF MARYLAND LLC3 | 151 WEST ST STE 303 ANNAPOLIS, MD 21401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $562 | — | $562 | 2.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY NONE | Insurance services Service code 23 | ONE SUN LIFE EXECUTIVE PARK WELLESLEY, ME 02481 | $242K |
| EMPLOYEE BENEFIT MANAGEMENT SERVICE NONE | Claims processing Service code 12 | PO BOX 21367 BILLINGS, MI 59104 | $50K |
| L.R. WEBBER ASSOCIATES NONE | Insurance agents and brokers Service code 22 | PO BOX 593 HOLLIDAYSBURG, PA 16648 | $36K |
| MARYLAND BANKERS ASSOCIATION EIN 52-1941961 NONE | Finders' fees / placement fees Service code 61 | — | $5K |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $96K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $96K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $23K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.