| 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 | $1K | $1K | $2K | 34.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 0NE CHURCH STREET SUITE 500 ROCKVILLE, MD 208504178 | HUMANA INSURANCE COMPANY | $119 | $0 | $119 | 2.47% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $581 | $743 | $1K | 34.17% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $523 | $659 | $1K | 33.92% |
| SAMANTHA C CORTELAZZO-ABBATE3 Filed as: SAMANTHA ANN MORNINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 1.65% |
| GEOFFREY IRA SUVAL3 | 4502 SCHENLEY RD APT 100-B BALTIMORE, MD 21210 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 1.45% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DR STE 410 WAYNE, PA 19087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 1.42% |
| ASSURANCE AGENCY LTD3 Filed as: EMPLOYER ASSURANCE SOLUTIONS LLC | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 1.36% |
| CRAIG SCOMAVACCA3 | 2602 MOORINGS CT BALTIMORE, MD 21224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 1.33% |
| DAVID MATCHA3 | 11870 GRAND PARK AVE APT 802 ROCKVILLE, MD 20852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 1.23% |
| G SCOTT COOKE3 Filed as: SCOTT GARRISON SCHUEBEL | EXECUTIVE PLAZA IV HUNT VALLEY, MD 21031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.71% |
| JEFFREY CARR FOUNTAIN SR3 | EXECUTIVE PLAZA IV HUNT VALLEY, MD 21031 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.71% |
| VALERIE MITCHUM-WILLIAMS3 | 4108 HUPA PL RANDALLSTOWN, MD 21133 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GEORGE TERRANCE BARRETT | 10301 BREAKWATER CT OCEAN CITY, MD 21842 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.03% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS RD STE 106 COLUMBIA, MD 21045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| COLLEEN A VOGAN3 | 5018 COBBLE STONE CT ELLICOTT CITY, MD 21043 | 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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 161 | $5K |
| Vision | HUMANA INSURANCE COMPANY | 161 | $5K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $4K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $7K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.