| 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 | $72K | $15K | $86K | 6.04% |
| RICHARD G MCGOWAN3 Filed as: RICHARD J. PRINCINSKY AND ASSOC. | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | AMERICA UNITED LIFE INSURANCE COMPANY | — | $7K | $7K | 3.19% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AMERICA UNITED LIFE INSURANCE COMPANY | $7K | — | $7K | 3.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | AMERICA UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 2.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORPORATION | $4K | — | $4K | 2.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | AMERITAS LIFE INSURANCE CORPORATION | — | $2K | $2K | 1.53% |
| DONALD R RAJALA3 Filed as: DONALD RAJALA | 5458 DELPHINIUM COURT COLUMBIA, MD 21045 | AFLAC | $19K | $1K | $20K | 12.97% |
| RICKY E ROBINSON3 Filed as: RICKY ROBINSON | 934 SWEENEY DRIVE, SUITE 1 HAGERSTOWN, MD 21740 | AFLAC | $5K | $260 | $5K | 3.09% |
| MJ INSURANCE3 Filed as: MARK JOHNSON AND VARIOUS AGENTS | 934 SWEENEY DRIVE, SUITE 8 HAGERSTOWN, MD 21740 | AFLAC | $3K | $156 | $3K | 1.93% |
| ARON D TERAN3 Filed as: ARON TERAN | 3684 HOLBORN PLACE FREDERICK, MD 21704 | AFLAC | $2K | $133 | $2K | 1.22% |
| KIMBERLY L LUSHBAUGH3 Filed as: KIMBERLY LUSHBAUGH | 14 CATAWBA CIRCLE HAGERSTOWN, MD 21742 | AFLAC | $1K | $127 | $1K | 0.73% |
| SUSAN S STRICKLAND3 Filed as: SUSAN STRICKLAND | 2194 SUGARLOAF PARKVIEW LANE CLARKSBURG, MD 20871 | AFLAC | $989 | — | $989 | 0.64% |
| FRANCES SHAFFER3 | 14025 TOWER ROAD SMITHBURG, MD 21783 | AFLAC | $634 | — | $634 | 0.41% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 313 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 257 | $156K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 257 | $156K |
| Life insurance | AMERICA UNITED LIFE INSURANCE COMPANY | 260 | $221K |
| Short-term disability | AMERICA UNITED LIFE INSURANCE COMPANY | 260 | $221K |
| Long-term disability | AMERICA UNITED LIFE INSURANCE COMPANY | 260 | $221K |
| Prescription drug | CAREFIRST BLUECHOICE | 313 | $1.4M |
| Other(3 contracts, 3 carriers) | AMERICA UNITED LIFE INSURANCE COMPANY | 260 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.