| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 14.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $2K | $5K | 8.16% |
| MJ INSURANCE3 Filed as: DALE BOSTICK AND VARIOUS AGENTS | 6677 QUERCUS DRIVE HEBRON, MD 21830 | AFLAC | $264 | $7 | $271 | 2.70% |
| JUSTIN BURTON3 | 7 DECATUR STREET BERLIN, MD 21811 | AFLAC | $167 | $30 | $197 | 1.96% |
| BRIAN SHOCKLEY3 | 12941 MOTTER ROAD OCEAN CITY, MD 21842 | AFLAC | $165 | $7 | $172 | 1.71% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $111 | $7 | $118 | 1.18% |
| COREY HUBBERT3 | 1501 HAMBROOKS BOULEVARD CAMBRIDGE, MD 21613 | AFLAC | $78 | $0 | $78 | 0.78% |
| WILLIAM FEDO3 | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $46 | $30 | $76 | 0.76% |
| SHEM J BOSTICK3 Filed as: SHEM BOSTICK | 1620 SOUTH DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $72 | $0 | $72 | 0.72% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 160 | $65K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $86K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $96K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $86K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $86K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.