| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 2.48% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 1.84% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS GLENCOE, MD 21152 | HARTFORD LIFE AND ACCIDENT | $4K | $3K | $6K | 18.74% |
| MULLANEY ENTERPRISES LLC3 | 5850 WATERLOO ROAD COLUMBIA, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $424 | $204 | $628 | 5.94% |
| SILBERSTEIN INSURANCE GROUP3 | 2850 QUARRY LAKE DRIVE BALTIMORE, MD 21209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $294 | — | $294 | 2.78% |
| DICE INSURANCE INC3 | 5219 CASENTINO COURT MYRTLE BEACH, SC 29579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | — | $199 | 1.88% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $13 | $165 | 1.56% |
| EMLYN MARSTELLER IV3 Filed as: EMLYN H MARSTELLER IV | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | $18 | $151 | 1.43% |
| GROUP BENEFIT STRATEGIES LLC3 | 21 POWELL AVENUE BEL AIR, MD 21014 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.88% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.76% |
| TANYA WISHARD3 | PO BOX 307 CODORUS, PA 17311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $7 | $75 | 0.71% |
| JEFFREY MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $1 | $39 | 0.37% |
| ZACHARY A FOWL3 | 10 BRENDA ST PORT DEPOSIT, MD 21904 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.25% |
| STEPHEN M HENSS LLC3 Filed as: STEPHEN M HENESS LLC | 44 HERSHEY LANE PARKSBURG, PA 19365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.07% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.06% |
| KELLI JONES BOJONNY3 | 314 JOHN DUKE TYLER BOULEVARD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $1.3M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 221 | $34K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 221 | $34K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 230 | $1.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 221 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.