| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $3K | $16K | 18.32% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH STREET SUITE 500 ROCKVILLE, MD 208504178 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 5.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 554161020 | HUMANA INSURANCE COMPANY | $0 | $1K | $1K | 1.90% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.37% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 18.33% |
| GEOFFREY IRA SUVAL3 | 4502 SCHENLEY RD APT 100-B BALTIMORE, MD 21210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $654 | $0 | $654 | 1.99% |
| DAVID MATCHA3 | 11870 GRAND PARK AVE APT 802 ROCKVILLE, MD 20852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $564 | $30 | $594 | 1.81% |
| MICHAEL R ACKERMAN3 | 275 COMMERCE DR. SUITE 301 FORT WASHINGTON, PA 19034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $465 | $0 | $465 | 1.42% |
| CRAIG SCOMAVACCA3 | 2602 MOORINGS CT BALTIMORE, MD 21224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $422 | $0 | $422 | 1.29% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $347 | $0 | $347 | 1.06% |
| JENNIFER ANN BARRETT3 | 10301 BREAKWATER CT OCEAN CITY, MD 21842 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $138 | $207 | $345 | 1.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE TERRANCE BARRETT | 10301 BREAKWATER CT OCEAN CITY, MD 21842 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $133 | $105 | $238 | 0.73% |
| G SCOTT COOKE3 Filed as: SCOTT GARRISON SCHUEBEL | EXECUTIVE PLAZA IV HUNT VALLEY, MD 21031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $232 | $0 | $232 | 0.71% |
| JEFFREY CARR FOUNTAIN SR3 | EXECUTIVE PLAZA IV HUNT VALLEY, MD 21031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $216 | $0 | $216 | 0.66% |
| SAMANTHA C CORTELAZZO-ABBATE3 Filed as: SAMANTHA ANN MORNINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $153 | $0 | $153 | 0.47% |
| VALERIE MITCHUM-WILLIAMS3 | 4108 HUPA PL RANDALLSTOWN, MD 21133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| MULLANEY ENTERPRISES LLC0 | 5501 TWIN KNOLLS RD STE 106 COLUMBIA, MD 21045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| COLLEEN A VOGAN3 | 241 TWENG TRAIL LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JANIS DICE3 | 5219 CASENTINO CT MYRTLE BEACH, SC 29579 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| DICE INSURANCE INC3 | 5219 CASENTINO CT MYRTLE BEACH, SC 29579 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 131 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 173 | $64K |
| Vision | HUMANA INSURANCE COMPANY | 173 | $64K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $76K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $48K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $85K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.