| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMERCIAL INSURANCE MANAGERS3 Filed as: COMMERCIAL INSURANCE MANAGERS INC | 8600 FOUNDRY STREET STE 2030 SAVAGE, MD 20763 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $42K | $46K | 4.51% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNITED HEALTHCARE INSURANCE COMPANY | $20K | $2K | $22K | 2.15% |
| COMMERCIAL INSURANCE MANAGERS3 Filed as: COMMERCIAL INSURANCE MANAGERS INC | 8600 FOUNDRY STREET SAVAGE, MD 20763 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 12.36% |
| JAY E. BLACK3 Filed as: JAY BLACK | 1400 MIDHURST COURT BEL AIR, MD 21014 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 11.50% |
| SONIA A VIDAL-AWBREY3 Filed as: SONIA A VIDA-AWBREY | 2665 PROSPERITY AVE APT 113 FAIRFAX, VA 22031 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 8.67% |
| ANN MARIE BENT3 | 7551 ORCHID HAMMMOCK DRIVE WEST PALM BEACH, FL 33412 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 8.67% |
| COMMERCIAL INSURANCE MANAGERS3 Filed as: COMMERCIAL INSURANCE MANAGERS INC | 8600 FOUNDRY STREET STE 2030 SAVAGE, MD 20763 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.59% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.49% |
| COMMERCIAL INSURANCE MANAGERS3 Filed as: COMMERCIAL INSURANCE MANAGERS INC | 8600 FOUNDRY STREET SAVAGE, MD 20763 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.08% |
| JAY E. BLACK3 Filed as: JAY BLACK | 1400 MIDHURST COURT BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.64% |
| SONIA A VIDAL-AWBREY3 Filed as: SONIA A VIDA-AWBREY | 2665 PROSPERITY AVE APT 113 FAIRFAX, VA 22031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.26% |
| ANN MARIE BENT3 | 7551 ORCHID HAMMMOCK DRIVE WEST PALM BEACH, FL 33412 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.26% |
| COMMERCIAL INSURANCE MANAGERS3 | 8600 FOUNDRY STREET STE 2030 SAVAGE, MD 20763 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $515 | $515 | 5.00% |
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 | 156 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 126 | $1.0M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 126 | $1.0M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 126 | $1.0M |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 242 | $116K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 242 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $42K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.