| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT STRATEGIES LLC3 Filed as: GROUP BENEFIT STRATEGIES, LLC | 21 POWELL AVENUE SUITE 100 BEL AIR, MD 21014 | CAREFIRST BLUECHOICE | $33K | $44 | $33K | 3.39% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRLY LAKE DRIVE SUITE 3 BALTIMORE, MD 21209 | CAREFIRST BLUECHOICE | $11K | — | $11K | 1.12% |
| GROUP BENEFIT STRATEGIES LLC3 | 21 POWELL AVENUE BEL AIR, MD 21014 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.80% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2330 W JOPPA ROAD SUITE 311 LUTHERVILLE, MD 21093 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $762 | — | $762 | 2.20% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $55 | $55 | 0.16% |
| ANDERSON INC3 | 69 DUTCH DRIVE CONOWINGO, MD 21918 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $728 | — | $728 | 6.21% |
| DICE INSURANCE INC3 | 38 BELMORE ROAD LUTHERVILLE, MD 21093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $699 | — | $699 | 5.96% |
| GROUP BENEFIT STRATEGIES LLC3 | 21 POWELL AVENUE BEL AIR, MD 21014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $659 | — | $659 | 5.62% |
| JEFFREY MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $75 | $317 | 2.70% |
| TRACEY MATZ3 | 69 DUTCH DRIVE CONOWINGO, MD 21093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | — | $188 | 1.60% |
| ZACHARY A FOWL3 | 38 S MAIN STREET PORT DEPOSIT, MD 21904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 1.28% |
| USI INSURANCE SERVICES LLC3 | C/O USI INSURANCE BRIARCLIFF MANOR, NY 10510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.16% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.10% |
| KELLI JONES BOJONNY3 | 314 JOHN DUKE TYLER BOULEVARD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 301 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 17.52% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 114 | $961K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 170 | $50K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 99 | $9K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 228 | $35K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 228 | $35K |
| Prescription drug | CAREFIRST BLUECHOICE | 114 | $961K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 228 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.