| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES INC | PO BOX 1750 COCKEYSVILLE, MD 21030 | AETNA | $20K | $0 | $20K | 5.56% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 4851 LBJ FREEWAY DALLAS, TX 75244 | AETNA | $7K | $0 | $7K | 2.04% |
| HMS INSURANCE ASSOCIATES INC3 | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.00% |
| FINANCIAL BALANCE GROUP LLC3 | 1901 RESEARCH BLVD SUITE 400 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | $0 | $10 | 0.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 7.29% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES | PO BOX 1750 COCKEYSVILLE, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 6.99% |
| HMS INSURANCE ASSOCIATES INC3 | PO BOX 1750 COCKEYSVILLE, MD 21030 | UNITEDHEALTHCARE INSURANCE COMPANY | $480 | $0 | $480 | 1.97% |
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 | 97 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 46 | $365K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 52 | $24K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 52 | $24K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $40K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $40K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $40K |
| Prescription drug | AETNA | 46 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.