| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD G MCGOWAN3 Filed as: RICHARD J. PRINCINSKY AND ASSOC. | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE | $67K | $10K | $77K | 5.73% |
| RICHARD G MCGOWAN3 Filed as: RICHARD J. PRINCINSKY AND ASSOC. | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | ONEAMERICA | — | $18K | $18K | 9.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 840 GESSNSER, SUITE 600 HOUSTON, TX 77024 | ONEAMERICA | $16K | $840 | $17K | 8.72% |
| DONALD R RAJALA3 Filed as: DONALD R. RAJALA | 5458 DELPHINIUM COURT COLUMBIA, MD 21045 | AFLAC | $21K | $2K | $23K | 15.85% |
| RICKY E ROBINSON3 | 934 SWEENEY DRIVE, SUITE 1 HAGERSTOWN, MD 21740 | AFLAC | $5K | $323 | $5K | 3.51% |
| MJ INSURANCE3 Filed as: MARK A. JOHNSON AND VARIOUS AGENTS | 934 SWEENEY DRIVE, SUITE 8 HAGERSTOWN, MD 21740 | AFLAC | $3K | $65 | $3K | 2.00% |
| KIMBERLY L LUSHBAUGH3 Filed as: KIMBERLY L. LUSHBAUGH | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | AFLAC | $2K | $285 | $2K | 1.34% |
| AARON D. TERAN3 | 3684 HOLBORN PLACE FREDERICK, MD 21704 | AFLAC | $1K | $38 | $1K | 0.97% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $1K | $269 | $1K | 0.90% |
| SUSAN S STRICKLAND3 Filed as: SUSAN S. STRICKLAND | 2194 SUGARLOAF PARKVIEW LANE CLARKSBURG, MD 20871 | AFLAC | $961 | — | $961 | 0.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 2.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORPORATION | $1K | — | $1K | 0.84% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 295 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 378 | $126K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 378 | $126K |
| Life insurance | ONEAMERICA | 229 | $193K |
| Short-term disability | ONEAMERICA | 229 | $193K |
| Long-term disability | ONEAMERICA | 229 | $193K |
| Prescription drug | CAREFIRST BLUECHOICE | 295 | $1.3M |
| Other(3 contracts, 3 carriers) | ONEAMERICA | 245 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.