| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | UNITEDHEALTHCARE INSURANCE COMPANY | $36K | $0 | $36K | 3.50% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 21152 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $2K | $28K | 2.77% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | SYMETRA LIFE INSURANCE COMPANY | $6K | $3K | $10K | 13.96% |
| ISI OF MARYLAND LLC3 Filed as: ISI OF MARYLAND | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | DOMINION NATIONAL | $4K | $0 | $4K | 7.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE | $621 | $266 | $887 | 10.00% |
| GROUP VISION SERVICES MGMT INC3 Filed as: GROUP VISION SERVICE INC | 6700 ALEXANDER BELL DR #200 COLUMBIA, MD 21046 | FIDELITY SECURITY LIFE INSURANCE | $0 | $887 | $887 | 10.00% |
| FIRST AMERICAN ADMIN3 | 4000 LUXOTTICA PLACE MASON, OH 60693 | FIDELITY SECURITY LIFE INSURANCE | $0 | $399 | $399 | 4.50% |
| FOREST T. JONES & COMPANY3 | GROUP INSURANCE ADMINISTRATORS 3130 BROADWAY KANSAS CITY, MO 64141 | FIDELITY SECURITY LIFE INSURANCE | $0 | $355 | $355 | 4.00% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 241 | $1.0M |
| Dental | DOMINION NATIONAL | 155 | $57K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 141 | $9K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 185 | $69K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 185 | $69K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 185 | $69K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 185 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.