| 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 | GHMSI, CAREFIRST BLUECHOICE | $25K | $7K | $32K | 3.20% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES, INC. | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 210302003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.28% |
| JOSEPH C. JENKINS3 | P.O. BOX 1750 COCKEYSVILLE, MD 210307750 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.23% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES, INC. | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 210302003 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $752 | — | $752 | 2.09% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES INC | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 18.38% |
| WILLIAM K LIEBERMAN3 | 339 SIXTH AVENUE HEINZ 57 CENTER, SUITE 720 PITTSBURGH, PA 15222 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES INC | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 17.05% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES, INC. | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 210302003 | HARTFORD LIFE AND ACCIDENT | $692 | — | $692 | 16.18% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI, CAREFIRST BLUECHOICE | 117 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $154K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $154K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 9 | $4K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $154K |
| Prescription drug | GHMSI, CAREFIRST BLUECHOICE | 117 | $1.0M |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.